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

  • Welcome Offer: Earn $200 back 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 & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • 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

Blue Cash Everyday Card from American Express

  • Welcome Offer: $150 statement credit after you spend $1,000 in purchases within the first 3 months.
  • Cash Back Rewards–
    • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%);
    • 2% cash back at U.S. gas stations and at select U.S. department stores; and
    • 1% back on other purchases.
  • Note: Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Intro APR: 0% for 15 months on purchases and balance transfers.
  • No annual fee.
  • Terms Apply

Capital One Quicksilver Cash Rewards Credit Card

  • 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

  • Signup Bonus:  Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Cash Back: Unlimited 1.5% cash back on every purchase
  • 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

  • Signup Bonus: Earn a $200 cash rewards bonus after spending $1,000 in 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 12 months on purchases and balance transfers
  • $0 Annual Fee
  • Click here to learn more about the product features, terms, and conditions

Chase Freedom

  • 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

  • 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

  • Early Spend Bonus: Earn $500 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

See also: Check out our complete list of cash back credit cards

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.

Chase Freedom Unlimited

Chase Freedom Unlimited
  • Signup Bonus:  Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Cash Back: Unlimited 1.5% cash back on every purchase
  • 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.

Bonus: There are cards that offer 0% on balance transfers and purchases for up to 21 months. You can find these and other offers here.

Wells Fargo Platinum Visa

  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply) on transfers made within 120 days qualify for the intro rates and fees
  • 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 card
  • Free access to your FICO® Credit Score
  • Zero Liability protection for promptly reported unauthorized transactions
  • $0 Annual Fee

Learn more about this card here.

Blue Cash Everyday Card from American Express

  • Welcome Offer: $150 statement credit after you spend $1,000 in purchases within the first 3 months.
  • Cash Back Rewards–
    • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%);
    • 2% cash back at U.S. gas stations and at select U.S. department stores; and
    • 1% back on other purchases.
  • Note: Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Intro APR: 0% for 15 months on purchases and balance transfers.
  • No annual fee.
  • Terms Apply

Wells Fargo Cash Wise Visa® Card

  • Signup Bonus: Earn a $200 cash rewards bonus after spending $1,000 in 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 12 months on purchases and balance transfers
  • $0 Annual Fee
  • Click here to learn more about the product features, terms, and conditions

Chase Freedom

Chase Freedom
  • 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 Quicksilver Cash Rewards Credit Card

  • 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

See also: A longer list of 0% credit cards

Travel Rewards Credit Cards

Travel cards represent a diverse universe of rewards. They include general travel rewards that are independent of a specific company, airline miles cards, hotel rewards cards, and even specialty cards. As such, it’s difficult to pick the “best” travel card. A lot will depend on how you use the card and how you travel.

With that said, here are our picks for 2019.

Capital One® Venture® Rewards Credit Card

  • One-time Bonus: Earn 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day.
  • Earn 10X miles on thousands of hotels; learn more at hotels.com/venture, through January 2020
  • Receive up to $100 application fee credit for Global Entry or TSA Pre?®
  • Miles aren’t specific to any airline or hotel, so they can be used antwhere
  • Travel when you want with no blackout dates
  • Miles won’t expire for the life of the account
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

Chase Sapphire Preferred Card

  • Receive 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. 50k points are worth $625 in travel when you redeem through Chase Ultimate Rewards
  • 2X points on travel and dining at restaurants
  • 1 point per dollar spent on all other purchases
  • $0 foreign transaction fees
  • 1:1 point transfer to leading frequent travel programs at full value
  • Introductory Annual Fee of $0 the first year, then $95
Click here to learn more about the Chase Sapphire Preferred Card and similar credit cards.

British Airways Visa Signature

British Airways Visa Signature
  • Each year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
  • Earn 4 Avios for every $1 spend on all purchases with the first year up to $30,000 (up to 120,000 bonus Avios), then 3 Avios for every $1 spent on British Airways purchases
  • Earn 1 Avios for every $1 spent on all other purchases.
  • Pay no foreign transaction fees when you travel abroad.

Click here to learn more about the British Airways Visa Signature and similar credit cards.

Marriott Bonvoy Business American Express Card

  • Limited Time Offer: Earn 100,000 bonus Marriott Bonvoy points after spending $5,000 within the first 3 months
  • Earn 6x points at participating Marriott Bonvoy hotels
  • Earn 4x points at U.S. restaurants, U.S. gas stations, U.S. purchases on shipping, and wireless telephone services purchased from U.S. service providers
  • Earn 2x points on all other eligible purchases
  • Receive 1 Free Night Award each year after your Card account anniversary you can use at a participating hotel.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status.
  • Earn Gold Elite status after spending $35,000 on eligible purchases on your card in a calendar year.
  • Annual fee is $125 (if applied for the card before 3/27/2019, the annual fee for the first year is waived, then $95)

Marriott Bonvoy Boundless Credit Card

Marriott Bonvoy Boundless Credit Card
  • Bonus: Earn 75,000 bonus points after spending $3,000 on purchases within the first 3 months
  • Earn a free night award (worth up to 35,00 points) every year after your account anniversary
  • Earn 6X points at participating Marriott Bonvoy hotels
  • Earn 2X Bonvoy points on all other purchasers
  • Earn Silver Elite Status each account anniversary, path to Gold Status after users spend $35,000 each year
  • Receive 15 Elite Night Credits granted each calendar year.
  • Unlimited Marriott Bonvoy Points
  • $95 Annual Fee

Click here to learn more about the Marriott Bonvoy Boundless Credit Card and similar credit cards.


Chase Ink Business Credit Card Review

Chase is currently offering some great sign-up bonuses and ongoing rewards on its Ink line of  business credit cards. These cards can be a good option for small business owners anyway, but these deals are making it even better.

Chase Ink cards come in three flavors. Two of them pay rewards in cash, one in points. Two have no annual fee, one does. As with anything, you get what you pay for. The Chase Ink with an annual fee offers the highest sign-up bonus and phenomenal ongoing rewards.

Chase Ink Credit Cards

Here’s are the details:

Chase Ink Business Preferred Credit Card

First up is the Chase Ink Business Preferred Credit Card, which offers the highest signup bonus of the three Chase business credit cards. You can earn 80,000 bonus points, which is worth $1,000 in travel rewards when redeemed through Chase Ultimate Rewards.

Chase Ink Business Preferred Credit Card

Chase Ink Business Preferred Credit Card
  • Signup Bonus: Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Bonus Points worth $1,000 toward travel redeemed through Chase Ultimate Rewards®
  • 3X Points Reward: Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • 1X Points Reward: Earn 1 point per $1 on all other purchases with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards Redeem points for travel, cash back, gift cards and more
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

Click here to learn more about the Chase Ink Business Preferred Credit Card and similar credit cards.


Chase Ink Business Cash Credit Card

The Chase Ink Business Cash Credit Card combines a generous signup bonus with up to 5% cash back.

Chase Ink Business Cash Credit Card

Chase Ink Business Cash Credit Card
  • Signup Bonus: Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • 5% Rewards: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • 2% Rewards: Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% Rewards: Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • Intro APR: 0% introductory APR for 12 months on purchases and balance transfers
  • No Annual Fee

Click here to learn more about the Chase Ink Business Cash Credit Card and similar credit cards.


Chase Ink Business Unlimited

The third option is ideal for those looking for a solid card with simple rewards. The Chase Ink Business Unlimited offers a $500 bonus, 1.5% cash back, and a 0% APR introductory rate.

Chase Ink Business Unlimited

Chase Ink Business Unlimited
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months
  • Earn unlimited 1.5% cash back on every purchase
  • 0% introductory APR for 12 months on purchases and balance transfers
  • No Annual Fee

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

So which of these offers is best for you? That depends on what you need.

If you’ll spend $5,000 within three months, the Ink Business card will give you a better deal with the 80,000 bonus points. Use the Chase Ultimate Rewards portal to book travel with those points, and you’ll essentially break even on almost 8 more years of annual fees.

If you’re not sure how often you’ll use the card, or don’t plan to spend that much off the bat, the Ink Cash is probably your better option. You’ll still earn the same cash back, but you won’t have to worry about that $95 fee from year 2 onward.

Either way, if you’re in the market for a business credit card right now, both of these Chase offers are worth checking out.


Webster Bank Rewards Visa – $25 Bonus + 1.25% Rewards

Webster Bank Rewards Visa

Webster Bank Rewards Visa Credit Card offers an introductory rate on balance transfers in combination with some attractive rewards. While the bank isn’t a household name among credit card issuing banks, this offer is compelling, particularly if you haven’t been able to qualify for a card with a zero interest offer with a longer-term.

The Introductory Offer from Webster Bank Rewards Visa

The rewards package is a winner from the start. You will earn a $25 cash-back bonus after your first purchase (though it will take 6 to 8 weeks after the purchase). That will certainly make you feel good about participating in this offer very early in the process. Many credit cards are offering similar arrangements, but you generally have to spend several hundred (or even several thousand) dollars before you will receive a bonus of any kind.

After that, you will earn one point for every dollar that you spend. But that’s not all.

You will get a bonus of 25% added to the points that you earn each month as a result of your purchase activity. So if you earn 100 points, Webster Bank will bump that up to 125 points as a bonus. This is another area where the Webster Bank offer exceeds what is commonly being offered on rewards points by other banks.

In addition to the rewards points, the card has a 0% introductory rate for the first six billing cycles. And that applies to both balance transfers and purchases (but not to cash advances). Once the introductory rate period expires, an APR of between 9.99% and 20.99%, depending upon your credit worthiness, will apply on your outstanding balance going forward.

What Makes Webster Bank Rewards Visa Worth Having

We’ve already discussed the $25 cash-back bonus that you get with your first purchase, as well as the 25% reward points bonus. We’ve also discussed that the reward point program in general is more generous than it is with most other cards in that it doesn’t require you to reach certain purchase targets. But  Webster Bank Rewards Visa offers other advantages as well.

There is no limit on the reward and bonus points you can earn. Many credit card rewards programs put a limit on how many points you can earn, or on the timeframe in which you can earn them. There are no such limits with Webster Bank Rewards Visa.

Bonus points can be redeemed as cash. This benefit is huge. Many, probably most, credit cards that offer bonus points allow them only for the purchase of the issuer’s own products or services, or require that they are redeemable for certain gifts that you may have no interest in whatsoever. Webster Bank Rewards Visa will allow you to redeem your bonus points as cash, which can be deposited into your checking or savings account.

You also have the option to use your bonus points to:

  • Apply them as a statement credit on your card account.
  • Redeem them as gift cards.
  • Purchase select merchandise.
  • Use for travel, including hotels, car rentals and air travel with no blackout dates.

That’s a lot of nice redemption options that you won’t get with most other cards.

There is no annual fee. There’s nothing worse than signing up for a credit card rewards program where you have to give back all or a large percentage of the rewards through an annual fee. That won’t happen with Webster Bank Rewards Visa.

Auto rental collision damage waiver. There was a time when this protection was practically standard issue with credit cards, but many card issuers have gotten away from it. But the protection is there with the Webster Bank Rewards Visa, and it will dramatically lower the cost of paying for a car rental, given the cost that the collision damage waiver is sometimes even more costly than the base car rental rate.

Zero fraud liability for unauthorized transactions. As long as you report a fraudulent transaction soon after it occurs, you won’t be held liable to pay for it.

Some Things to Be Aware of with the Webster Bank Rewards Visa Card

There is probably no such thing as a perfect rewards credit card, and that’s true of the Webster Bank Rewards Visa. I’m highlighting some of the conditions with the card that you may want to consider, though some of them are hardly deal breakers.

Balance transfer fees. Webster Bank charges a fee of 3% of the amount of the balance transfer, subject to a $5 minimum.

Short 0% period. The interest-free period on the card is six months. On many other cards with 0% offers, the interest-free period runs to 12 months, and a few will go as long as 18. (Though such card issuers will usually recover the more generous intro period with higher interest rates later on.)

The points expire after five years. The clock starts running on your points from the end of the quarter in which the points were earned. If you’re in the habit of redeeming your rewards points quickly, this is a complete non-issue. But if you like to save up the points for a major purchase – that will require saving points for more than five years – this may not be the best card offer for you.

Despite these limitations – and recognizing that all rewards cards offers also impose limitations – Webster Bank Rewards Visa has a solid package to offer. The combination of 25% bonus points, no annual fee, unlimited rewards points, and wide open redemption options on those points – as well as the auto rental collision damage waiver and zero fraud liability features – make this an offer well worth looking into.

If you like what you’ve read here, check out the Webster Bank Rewards Visa and give it a try.