×

Save your first

— or NEXT

$100,000!

Get our free weekly newsletter and MoneySchool: Our FREE 7-day course that will help you make immediate progress on the money goals you’re working toward right now.

No, thanks
Subscribe now
Advertising Disclosure

This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services.

Best Credit Cards Of 2019

Last updated: Monday, January 14, 2019

Here at Money Under 36, we’ve been reviewing and comparing the best credit cards and providing expert credit card advice since 2006. This year’s list is impressive, and there are a lot of excellent new options for you to choose from. Click “Apply Now” to visit the issuer’s website to apply online immediately and securely. Not sure where to start? Jump down to get our best credit card advice.

Chase Sapphire Preferred® Card

Credit Needed: Excellent Credit
  • 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®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/AN/AN/A18.24% - 25.24% Variable$0 Intro for the First Year, then $95

Bank of America® Premium Rewards® credit card

Credit Needed: Excellent/Good
  • Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you’re a Bank of America Preferred Rewards client, you can get a 25%-75% rewards bonus on every purchase.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/AN/AN/A18.24% - 25.24% Variable APR on purchases$95

Discover it® Cash Back

Credit Needed: Excellent, Good
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0%14 months0%14 months14.24% - 25.24% Variable$0

Bank of America® Travel Rewards credit card

Credit Needed: Excellent/Good
  • 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
  • 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 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
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0% Introductory APR on purchases12 billing cyclesN/AN/A17.24% - 25.24% Variable APR on purchases and balance transfers$0

Chase Freedom®

Credit Needed: Excellent/Good
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0%15 months0%15 months17.24 - 25.99% Variable$0

Wells Fargo Cash Wise Visa® Card

Credit Needed: Excellent/Good
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0%12 months0%12 months16.24%-28.24% (Variable)$0

Capital One(R) Venture(R) Rewards Credit Card

Credit Needed: Excellent/Good
  • Enjoy a one-time bonus of 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. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/AN/AN/A17.99% - 25.24% (Variable)$0 intro for first year; $95 after that

Bank of America® Cash Rewards credit card

Credit Needed: Excellent/Good
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0% Introductory APR on purchases12 billing cycles0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days12 billing cycles16.24% - 26.24% Variable APR on purchases and balance transfers$0

TRIO® Credit Card from Fifth Third Bank

Credit Needed: Good, Excellent
  • 3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
  • 1% unlimited cash back on all other purchases
  • Earn a new account bonus worth $100! Earn 10,000 bonus points which can be redeemed for $100 cash back, simply spend $1,000 within 90 days of opening your account
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/A0%12 billing cycles16.24%-25.24% VariableN/A

BankAmericard® credit card

Credit Needed: Excellent/Good
  • NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0% Introductory APR on purchases18 billing cycles0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days18 billing cycles15.24% - 25.24% Variable APR on purchases and balance transfers$0

Capital One(R) VentureOne(R) Rewards Credit Card

Credit Needed: Excellent/Good
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0%for 12 monthsN/AN/A14.24% - 24.24% (Variable)$0

Wells Fargo Propel American Express® Card

Credit Needed: Excellent/Good
  • Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0%12 months0%12 months14.74%-27.24% (Variable)$0

Discover it® Miles

Credit Needed: Excellent, Good
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0%14 months10.99%14 months14.24% - 25.24% Variable$0

Barclaycard Arrival Plus(R) World Elite Mastercard(R)

Credit Needed: Good/Excellent
  • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/A0%first 12 billing cycles following each balance transfer that posts to your account within 45 days of account opening18.24%, 22.24% or 25.24% variable based on your creditworthiness$89 (waived first year)

Barclaycard Ring(R) Mastercard(R)

Credit Needed: Good/Excellent
  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
  • Low 14.24% variable APR on purchases and cash advances
  • No annual fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/A0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply.Within 45 days of account opening14.24% Variable$0

Capital One(R) Quicksilver(R) Cash Rewards Credit Card

Credit Needed: Excellent/Good
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0%for 15 months0%for 15 months16.24% - 26.24% (Variable)$0

Capital One(R) Savor(R) Cash Rewards Credit Card

Credit Needed: Excellent/Good
  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/AN/AN/A16.74% - 25.74% (Variable)$0 intro for first year; $95 after that

Discover it® chrome

Credit Needed: Excellent, Good
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0%14 months0%14 months14.24% - 25.24% Variable$0

Truly Simple® Credit Card from Fifth Third Bank

Credit Needed: Good, Excellent
  • Start saving by consolidating your high interest rate cards and making everyday purchases on one card that can help you get what you want.
  • Low 0% introductory APR for your first 15 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 14.24% to 25.24% based on your creditworthiness.
  • No Penalty Rate (APR) for a missed payment
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0%15 billing cycles0%15 billing cycles14.24%-25.24% VariableN/A

Credit One Bank® Platinum Visa® with Cash Back Rewards

Credit Needed: Fair Credit
  • Seeing if you Pre-Qualify is fast, easy, and secure
  • Get 1% cash back rewards on eligible purchase, terms apply
  • Rewards post automatically to your account each month
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/AN/AN/A20.24% - 26.24% Variable$0 - $99

Discover it® Student Cash Back

Credit Needed: Fair
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0%6 months10.99%6 months15.24% - 24.24% Variable$0

NHL® Discover it®

Credit Needed: Excellent, Good
  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0%14 months0%14 months14.24% - 25.24% Variable$0

Discover it® Student chrome

Credit Needed: Fair
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0%6 months10.99%6 months15.24% - 24.24% Variable$0

Indigo® Platinum Mastercard®

Credit Needed: Fair Credit
  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/AN/AN/A23.90%$0 - $99

Milestone® Gold Mastercard®

Credit Needed: Good/Fair
  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/AN/AN/A23.90%$35-$99 (varies by credit level)

Capital One(R) SavorOne Cash Rewards Credit Card

Credit Needed: Excellent/Good
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0%for 15 months0%for 15 months16.24% - 26.24% (Variable)$0

Discover it® Secured

Credit Needed: Please refer to issuer's website
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/A10.99%6 months25.24% Variable$0

Credit One Bank® Unsecured Visa® with Cash Back Rewards

Credit Needed: Bad Credit
  • See if you Pre-Qualify in less than 60 seconds–without affecting your credit score. It's fast, easy, and secure.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • This is a fully functional, unsecured credit card–not a debit card, prepaid card, or secured credit card with deposit requirements.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/AN/AN/A20.24% - 26.24% Variable$0 - $99

Indigo® Platinum Mastercard®

Credit Needed: Bad/Poor
  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/AN/AN/A23.90% (Fixed)$0 - $99

Milestone® Gold Mastercard®

Credit Needed: Bad/Poor
  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/AN/AN/A23.90%$35-$99 (varies by credit level)

Credit One Bank® NASCAR® Visa® Credit Card

Credit Needed: Fair Credit
  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Get double cash back rewards at the NASCAR.com Superstore. Terms Apply.
  • Find out if you Pre-Qualify without harming your credit score. It's fast, easy, and secure.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/AN/AN/A20.24% - 26.24% Variable$0 - $99

Official NASCAR® Credit Card from Credit One Bank®

Credit Needed: Bad Credit
  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Get double cash back rewards at the NASCAR.com Superstore. Terms Apply.
  • Find out if you Pre-Qualify without harming your credit score. It's fast, easy, and secure.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/AN/AN/A20.24% - 26.24% Variable$0 - $99

HSBC Gold Mastercard® credit card

Credit Needed: Good/Excellent
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
0%18 months0%18 monthsVariable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period$0

Rates and Fees

HSBC Cash Rewards Mastercard® credit card

Credit Needed: Good/Excellent
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APRAnnual Fee
N/AN/A0%15 monthsVariable APR of 15.24%, 19.24% or 25.24% will be applied$0

Rates and Fees

Credit cards: Our best advice

Finding the best credit cards among thousands of available options can be intimidating, but Money Under 36 has you covered.

On this page, and throughout our credit card section, we’ve hand-picked some of the best credit cards from our partners. We also offer dozens of articles about shopping for a new credit card and using credit responsibly. If you’re new to credit cards—or need a refresher—don’t go any further until you read about how to use a credit card responsibly.

1. Know your credit score

Choosing the best credit card for your needs is a combination of finding offers that you will qualify for (based on your credit history, credit score, and income) and then finding a card with the features you need.

The best credit cards require good credit (those that offer cash back, travel rewards or an introductory 0 percent APR for 15 months or more). What does this mean? Generally, people with good credit have had credit cards and/or loans in their names for at least five years and have never missed a payment. Excellent credit requires seven years of more of responsible credit use.

If you’ve used credit responsibly for between two and five years or you’ve used credit longer but have made a late payment in the last year, your credit may be more in the “good” category but you may also want to review the “fair” category if you’ve been turned down for a credit card in the past.

If you’ve been turned down for credit cards recently or don’t have a lot of credit history, other categories offer a better chance of approval.

2. Determine what’s most important to you

One credit card isn’t going to have everything. The credit cards with the lowest APRs or longest 0 percent introductory interest rates won’t have rewards programs. Among rewards cards, the products with the highest ongoing rewards rates won’t have sign-up bonuses where you can snag $100 or more in bonus rewards within the first few months.

You can use a new credit card in two different ways:

  • Earning rewards. You use the card for most daily purchases and then pay your bill in full every month. This lets you earn rewards without paying interest.
  • Paying over time. You use credit cards to finance large purchases for the flexibility of making payments over time.

We can help you sort out the best cards depending on what you’re looking for.

If you pay your card in full each month and want to earn rewards

If you need to pay for new purchases or balance transfers over time

Still undecided?

Get our overall picks for the best credit cards for young adults depending on your credit situation and what you’re looking for in a new card.

Save or share! Email this page »

Comments

We invite readers to respond with questions or comments. Comments may be held for moderation and will be published according to our comment policy. Comments are the opinions of their authors; they do not represent the views or opinions of Money Under 36.

    Leave a Reply

    Your email address will not be published. Required fields are marked *