Updated on Oct 6, 2017

Best Credit Cards for 2017

What is the best credit card for you? We can help you decide.
Andy Bowen
By
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Whether you want to make a balance transfer or rack up rewards points, you need the best credit card to make your plans go smoothly. We’ve taken the time to review several leading cards and have put together our list of the top credit cards for 2017. Take a look at our rundown and apply online for the one that’s right for you.

Summary

The best credit cards for 2017

  • : Best overall
  • : Best for balance transfers
  • : Best for families
  • : Best for everyday cash back
  • : Best for everyday travel rewards
  • Bank of America® Travel Rewards Credit Card: Best no-fee travel card
  • : Best hotel credit card
  • : Best rewards matching
  • : Best cash back redemption bonus
  • : Best airline credit card

The best credit cards for 2017

On Chase's secure website

Best overall

Signup bonus 50,000 points
Rewards overview Travel, eDeposit, statement credit, gift card, cash

Redeem for... Travel, eDeposit, statement credit, gift card, cash
Annual Fee Introductory Annual Fee of $0 the first year, then $95
Highlights Provided by Chase Show Highlights
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
  • Issuer: Chase
  • Rewards Details: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
  • Sign Up Bonus: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Annual Fee: Introductory Annual Fee of $0 the first year, then $95
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 25.99% Variable
  • Foreign Transaction Fee: $0
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 16.99% - 23.99% Variable
  • Penalty APR: None

Our two cents

Who should get it

Overall, the is one of the best credit cards available today. Customers who want a generous signup bonus will appreciate the 50,000 bonus points after spending $4,000 on purchases in the first 3 months. The also features a wide array of redemption options for travel, gift cards, and more.

How to use it
  • Spend $4,000 within the first 3 months to earn 50,000 bonus points
  • Redeem bonus points for airfare, hotels, and more
  • Use card on travel expenses and dining worldwide to earn 2x points
  • Add an authorized user within first 3 months to earn 5,000 bonus points
Consider this

The cardholders who are going to be able to make the most of the are the ones who do a lot of traveling and dining out. For an alternative, we recommend the card, which lets cardholders earn 1.5% cash back on every purchase, not just travel and dining.

Why you'll love it

If you find yourself traveling and dining out more often than not, you will enjoy earning rewards with the . In addition to the generous signup bonus, you’ll also love getting 25% more value when you redeem points through Chase Ultimate Rewards®. (Just to give you an idea of what that looks like: 50,000 bonus points are worth $625 toward travel.)

On Discover's secure website

Best for balance transfers

Signup bonus First year cash back match
Rewards overview 5% cash back at Amazon.com and Target; 1% on all other purchases Terms Apply.

Redeem for... eDeposit, statement credit, charitable donation, or Amazon purchases
Annual Fee $0
Highlights Provided by Discover Show Highlights
Card Highlights Provided by Discover:
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • Issuer: Discover
  • Rewards Details: 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate.. 1% cash back on all other purchases.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.99% Variable
  • Introductory APR: 0%
  • Introductory APR Period: 6 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 18 months
  • Ongoing APR: 11.99% - 23.99% Variable

Our two cents

Who should get it

Anyone looking to chip away at mounting credit card debt will find what they’re looking for in the card. Just as the name suggests, you’ll get 18 months of interest-free bliss to pay off an outstanding card debt. The card also comes with a dollar-for-dollar Cashback Match™ at end of the first year.

How to use it
  • Transfer an outstanding credit card balance and pay it off without accruing interest for 18 months.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Get an automatic dollar-for-dollar match on cash back at end of your first year.
Consider this

The intro APR of the is one of the best credit card offers of its kind. However, if you’re trying to finance a new purchase instead of transferring a balance, the might be a better choice. Its 15-month 0% intro APR for purchases is significantly longer than that of the Discover card’s ( 6 months).

Why you'll love it

The is one of our top credit cards because of its generous window of 0% intro APR on balance transfers. So, you can finally have the wiggle room to pay off an outstanding balance with ample time to avoid accruing interest. In addition, many cardholders will appreciate the 6 months of 0% intro APR on purchases.

On American Express's secure website

Best for families

See Rates & Fees
Signup bonus $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
Rewards Summary 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.

Redeem for... Reward Dollars (redeemed as a statement credit)
Annual Fee $95
Highlights Provided by American Express Show Highlights
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
  • Issuer: American Express
  • Rewards Details: 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • Annual Fee: $95
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Introductory APR: 0%
  • Introductory APR Period: 12 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 12 months
  • Ongoing APR: 13.99% - 24.99% Variable
  • Penalty APR: 29.99% Variable

Our two cents

Who should get it

Anyone who wants rewards for everyday spending, families in particular, should look into the . With this card, you can earn 6% cash back at U.S. supermarkets for up to $6,000 in purchases (per year; drops to 1% after). The also offers 3% cash back at U.S. gas stations and select U.S. department stores.

How to use it
  • Pay for your groceries at U.S. supermarkets and earn 6% cash back (up to $6,000 per year; 1% after).
  • Fill up at a U.S. gas station and earn 3% cash back on your purchase.
  • Spend $1,000 in purchases within first 3 months and earn $200 statement credit.
Consider this

The can be a little restricting as your earnings can generally be redeemed just as statement credits. For more flexible redemption options, the is a great alternative. This card lets you rack up the points and redeem them for cash back, discounted travel, and more.

Why you'll love it

Imagine a card with a rewards program that lines up with the regular spending habits of a typical family. The is one such card, allowing you to earn high-rate rewards at many stops on your daily journey. It’s a credit card that makes earning cash back both fast and easy.

On American Express's secure website

Best for everyday cash back

See Rates & Fees
Signup bonus $150
Rewards overview 3% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%); 2% at U.S. gas stations and at select U.S. department stores; 1% on other purchases. Terms apply.

Redeem for... Reward Dollars (redeemed as a statement credit)
Annual Fee $0
Highlights Provided by American Express Show Highlights
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 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, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
  • Issuer: American Express
  • Rewards Details: 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • Annual Fee: $0
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Introductory APR: 0%
  • Introductory APR Period: 15 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 15 months
  • Ongoing APR: 13.99% - 24.99% Variable
  • Penalty APR: 29.99% Variable

Our two cents

Who should get it

The is a leading choice for anyone who wants to earn cash back on their everyday spending. Earn 3% cash back at U.S. supermarkets on up to $6,000 per year (drops to 1% after). You can also earn 2% cash back at U.S. gas stations and select U.S. department stores.

How to use it
  • Use on everyday purchases and spend $1,000 within the first 3 months for a $150 bonus.
  • Earn cash back at the grocery store, gas pump, and more with this everyday spending card.
  • Lower your monthly bill when you redeem your rewards as statement credits.
Consider this

If you don’t use your credit card on everyday purchases (groceries, gas, etc.), then you might not get the most out of the . In that case, you might benefit from a card with high-rate rewards in rotating categories. The can offer you 5% cash back on rotating categories (on up to $1,500 in purchases, quarterly).

Why you'll love it

What’s not to love about a credit card that features a straightforward cash back rewards program? The comes with a rewards plan that falls in line with everyday spending habits. No rotating categories, no elaborate spending strategies – just use the card and start earning cash back.

On Capital One's secure website

Best for everyday travel rewards

Signup bonus 40,000 miles
Rewards overview Unlimited 2X miles per dollar

Redeem for... Travel statement credit; travel booked through CapitalOne.com; gift cards; and more
Annual Fee $0 intro for first year; $59 after that
Highlights Provided by Capital One Show Highlights
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
  • Get a metal Venture Card when you apply today
  • Issuer: Capital One
  • Rewards Details: 2 Miles per dollar on every purchase, every day. 40000 Miles once you spend $3,000 on purchases within 3 months from account opening.
  • Annual Fee: $0 intro for first year; $59 after that
  • Balance Transfer Fee: $0
  • Cash Advance APR: 23.99% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 13.99% - 23.99% (Variable)
  • Penalty APR: None

Our two cents

Who should get it

Cardholders looking for a fast way to earn miles will get the most out of the . It makes our top credit cards list for the simple fact that you can earn 2x miles per every dollar you spend on purchases. The makes it easy.

How to use it
  • Spend $3,000 on purchases in your first three months to earn 40,000 bonus miles.
  • Take this card anywhere and earn 2x miles for every dollar spent.
  • Travel abroad and use this card without worrying about foreign transaction fees.
Consider this

If you like earning miles on everyday purchases but don’t like annual fees, then the might not be for you. (It’s waived for the first year, but $59 annually afterward.) The has a rewards rate of 1.25 miles per dollar spent and a smaller signup bonus, but there’s no annual fee to worry about.

Why you'll love it

The stands among the best credit cards on our list for everyday travel rewards. Being able to earn unlimited 2x miles for every dollar you spend makes saving up for a vacation fast and simple. Also, taking advantage of the signup bonus nets you 40,000 bonus miles (after spending $3,000 within first 3 months), which translates to $400 toward travel.

Best no-fee travel card

Bank of America® Travel Rewards Credit Card
Signup bonus 20,000 bonus points
Rewards overview Unlimited 1.5 points per dollar

Redeem for... Travel statement credit
Annual Fee $0.00
Highlights Provided by Bank of America Show Highlights
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Issuer: Bank of America
  • Rewards Details: 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account. 1.5 points on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
  • Annual Fee: $0.00
  • Balance Transfer Fee: 3% of the amount of each transaction or $10, whichever is greater.
  • Cash Advance APR: See Terms
  • Foreign Transaction Fee: None
  • Introductory APR: 0% Introductory APR on purchases
  • Introductory APR Period: 12 billing cycles
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 15.99% - 23.99% Variable APR on purchases and balance transfers
  • Penalty APR: up to 29.99% APR

Our two cents

Who should get it

The Bank of America® Travel Rewards Credit Card is among the best credit card offers if you’re a Bank of America customer. BoA customers can enjoy an extra 10% customer points bonus on every purchase when they use this card. Additionally, the Bank of America® Travel Rewards Credit Card comes with a signup bonus of 20,000 online bonus points when you spend $1,000 in purchases within the first 90 days.

How to use it
  • Spend with this card and earn unlimited 1.5x points per dollar.
  • Add value to your points when you book travel during sales or on discount travel sites.
  • Redeem your points for travel statement credit — flights, hotels, cruises, and much more.
Consider this

A big draw for the Bank of America® Travel Rewards Credit Card is how it offers an extra 10% customer points bonus on purchases to Bank of America customers. At the same time, there are other top cards on our list that offer great rewards regardless of where you do your banking. One such alternative is the card which offers 1.5x miles per dollar spent and has no annual fee.

Why you'll love it

Cardholders will appreciate the freedom and flexibility of the Bank of America® Travel Rewards Credit Card when it comes to booking vacations and earning points. All purchases can yield 1.5x points per dollar spent and you can redeem these points at discount travel sites. Furthermore, Bank of America customers can get even more points with the extra 10% customer points bonus.

Start your application now
On American Express's secure website

Best hotel credit card

See Rates & Fees
Signup bonus 25,000 Starpoints®
Rewards overview 2 Starpoints® per dollar at SPG® & Marriott Rewards® hotels; 1 Starpoint for all other purchases. Terms apply.

Redeem for... Hotel and resort stays, airfare
Annual Fee $95 (waived first year)
Highlights Provided by American Express Show Highlights
  • Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Planning a road trip? Rent your car, fill up your tank, book your hotel, and pay for it with your American Express® Card.
  • Terms Apply.
  • See Rates & Fees
  • Issuer: American Express
  • Sign Up Bonus: Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Annual Fee: $0 for the first year, then $95
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 16.24% - 20.24% Variable
  • Penalty APR: 29.99% Variable

Our two cents

Who should get it

Leisure and business travelers who are loyal to Starwood® hotel brands will feel at home with the perks and rewards provided by the . This card helps you earn 2 Starpoints® per every dollar spent at SPG® and Marriott Rewards® hotels across the world, including Aloft, Sheraton, and Courtyard Marriott.

How to use it
  • Earn 25,000 Starpoints® when you spend $3,000 within the first 3 months.
  • Use your Starpoints® at participating resorts or hotels, and book travel through SPG® Flights.
  • Stay at participating SPG® and Marriott Rewards® properties and earn 2x points per dollar spent.
Consider this

Frugal hotel guest might not get the most out of the . The annual fee, while waived for the first year, could also be a deal breaker at $95. In this case, consider the IHG® Rewards Club Select Credit Card (currently unavailable) with an annual fee of $49 (waived for the first year) and a rewards program for purchases made at IHG hotel brands including Holiday Inn and Candlewood Suites.

Why you'll love it

The makes a great travel companion for the traveler who prefers SPG® and Marriott Rewards® properties. It also comes with no foreign transaction fees, and rewards can be redeemed at over 1,300 participating hotels and resorts in 100 countries.

On Discover's secure website

Best rewards matching

Signup bonus First year cash back match
Rewards overview 5% cash back at Amazon.com and Target; 1% on all other purchases

Redeem for... eDeposit, statement credit, charitable donation, or Amazon purchases
Annual Fee $0
Highlights Provided by Discover Show Highlights
Card Highlights Provided by Discover:
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • Issuer: Discover
  • Rewards Details: 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate.. 1% cash back on all other purchases.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.99% Variable
  • Introductory APR: 0%
  • Introductory APR Period: 14 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 14 months
  • Ongoing APR: 11.99% - 23.99% Variable

Our two cents

Who should get it

Casual card users who like a little variety in their rewards categories as well as a great rewards match program will appreciate the card. Among the best credit cards on this list, the card features great perks including 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate.

How to use it
  • Get a dollar-for-dollar match on cash back earned in your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Redeem cash back for any amount, any time (cash rewards don’t expire).
Consider this

A year can be a long time to wait for that dollar-for-dollar match offered by the card. If you would rather have your reward sooner, you could go with the . With this card, you can get a $200 bonus just by spending $1,000 within the first 3 months.

Why you'll love it

There’s a lot to love about a credit card like the . It lets you redeem your cash back rewards without any fear of those rewards expiring. Plus, the dollar-for-dollar match at the end of the first year can be a real boon. Say you’ve earned $500 cash back within the first year. Suddenly you’re looking at $1,000 thanks to the cash back match.

On Barclays's secure website

Best cash back redemption bonus

Signup bonus $200
Rewards overview Unlimited 1.5% cash rewards on every purchase

Redeem for... Statement credit, bank deposit, or gift card
Annual Fee $0
Highlights Provided by Barclaycard Show Highlights
  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase. Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for the first 15 months on purchases.
  • Plus, you'll get a 0% introductory APR for 15 months for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers
  • No annual fee
  • Issuer: Barclaycard
  • Rewards Details: Earn unlimited 1.5% cash rewards on every purchase. Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Annual Fee: $0
  • Balance Transfer Fee: 3% of each balance transfer; not less than $5
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: 3%
  • Introductory APR: 0%
  • Introductory APR Period: 15 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 15 months (on balance transfers made within 45 days of account opening)
  • Ongoing APR: 15.99%, 20.99% or 25.99% Variable

Our two cents

Who should get it

What’s better than a credit card with rewards? How about a card that rewards you again after you’ve redeemed your rewards? That’s what the is all about, letting you get 5% of your rewards back every time you redeem. You can also get unlimited 1.5% cash rewards on all purchase,s and there’s no annual fee.

How to use it
  • Reach $1,000 in purchases within the first 90 days and receive a $200 signup bonus.
  • Use for your everyday spending to receive unlimited 1.5% cash rewards.
  • Redeem cash rewards and receive a 5% bonus toward your next redemption.
Consider this

Depending on your spending habits, you might be able to earn more with a higher-rate cash back card. If you would prefer more options with 5% cash back in rotating categories, an alternative like the might be a better fit.

Why you'll love it

The is one of the more straightforward options in our rundown of the top credit cards. Plus, the 5% redemption bonus each time you redeem points gives you extra incentive to use the rewards you’ve earned on every purchase.

On American Express's secure website

Best airline credit card

See Rates & Fees
Signup bonus 50,000 bonus miles
Rewards overview 2 Miles/dollar on purchases made directly with Delta; 1 mile/dollar on all other eligible purchases. Terms apply.

Redeem for... Travel with Delta and 15+ travel partners
Annual Fee $95 (waived first year)
Highlights Provided by American Express Show Highlights
  • Limited Time Offer: Earn 50,000 Bonus Miles after you spend $2,000 in purchases within the first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Plus, earn an additional 10,000 bonus miles after you spend an additional $1,000 with your new Card within your first 6 months. Offer expires on 11/8/2017.
  • Earn 2 miles on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
  • Issuer: American Express
  • Rewards Details: Earn 2 miles on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Annual Fee: $0 introductory annual fee for the first year, then $95
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 16.74% - 25.74% Variable
  • Penalty APR: 29.99% Variable

Our two cents

Who should get it

Frequent flyers of Delta Airlines will want to look into the . Purchases made directly through Delta earn 2 miles per dollar spent. Combined with Priority Boarding, free bag checks, and other useful perks, the could be your quintessential traveling companion.

How to use it
  • Spend $2,000 in purchases within the first 3 months to earn 50,000 bonus miles (limited time offer expires on 11/8/2017)
  • Earn 2X miles per dollar you spend on Delta travel purchases and 1X mile on all other eligible purchases.
  • Redeem your miles for travel with Delta or any of 15+ travel partners.
Consider this

If you don’t fly Delta and you don’t want an annual fee, then the might not be the right credit card for you. Those who prefer Southwest might consider the , which earns unlimited 2X points per dollar spent on Southwest purchases plus Rapid Rewards® hotel and rental car purchases.

Why you'll love it

If you fly with Delta, this card offers perks that help you travel in style. Furthermore, the features a generous signup bonus that you can use to earn miles even faster to plan your next big getaway!

Best Credit Cards of 2017: summed up

Recommended Card Best For...
Overall
Balance Transfers
Families
Everyday Cash Back
Everyday Travel Rewards
Bank of America® Travel Rewards Credit Card No-Fee Travel Card Learn More
Hotel Credit Card
Rewards Matching
Cash Back Redemption Bonus
Airline Credit Card

Additional credit card research

How do you know what card to apply for? If you’re looking for any easy way to compare the best credit cards, check out our search tool below:

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Credit card pro tips

Among the common questions we try to answer are “What are the benefits of a credit card” and “What are points on a credit card?” Both the former and the latter can vary based on which card you’re talking about, so we’ve done our best to cover these subjects in broader detail.

Hidden benefits

Although the best credit cards offer a slew of obvious benefits including cash back and travel rewards, other perks aren’t always advertised prominently. Examples include:

  • Zero liability for fraudulent purchases
  • $0 foreign transaction fees
  • Rental car coverage
  • Free FICO® Score
  • Extended warranties
  • Roadside assistance

You might have to dig deeper to find them, but these features can truly come in handy. If used correctly, they can even help you save money, travel safer, and protect yourself from undue risk.

Understanding points and other rewards

Points are just one example of rewards programs. They typically serve as a card-specific currency you can earn at varying rates and then redeem for various rewards. Many different cards offer different forms of rewards and it pays to research these to know what you’re getting into. This is where it really pays to read the fine print.

Take this for example: You might see that a particular airline card offers the first checked bag free on every flight. It’s a great perk, but without scrutinizing the fine print, you might not learn that cardholders also get checked baggage insurance, car rental loss and damage insurance, discounts on eligible in-flight purchases, or other goodies. If you aren’t aware of all the features, you probably won’t get the maximum benefit from even the best credit card.

Always treat your card like cash

The quickest way to enter a downward spiral is to use a credit card to make a large purchase you cannot afford. If you don’t have the cash to pay for something, don’t use credit as an excuse to justify the purchase. Only charge what you can afford to pay off each month — period.

What credit card should I get?

It all comes down to your everyday spending habits. Ideally, you want a card that rewards those spending habits rather than one that forces you to adjust how you purchase things. These cards we’ve covered are some of the best on the market and a great place to start.

Further reading: Google-X’s guide to choosing a budget.

Editorial Note: Compensation does not influence our rankings and recommendations. However, we may earn a commission on sales from the companies featured in this post. To view a list of partners, click here. Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser's page for terms & conditions.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.