10 Best Credit Cards for Every Kind of Spender

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Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.

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It can be tricky figuring out which are the best credit cards out there. In today’s world, there are so many competitive offers.

In recent years, the best credit card companies have focused on one-upping each other to offer bigger and better perks to attract customers. This is great news for consumers – it’s easier than ever to find a great deal on a credit card.

But identifying your best credit card offer still takes some time and effort, especially if you want to earn big rewards.

How to find the best credit cards for you

When you’re searching for a credit card, the first thing you need to know is what’s important to you.

That’s because not all credit cards are created equally. What’s more, each card will have its benefits and tradeoffs. So knowing what you need will help you vet your options and find the best credit cards for you.

For instance, some common types of credit cards include:

  • Low fee credit cards for consumers who want an inexpensive option.
  • Travel rewards cards that can help fund your vacations and trips.
  • Cash back credit cards that return a percentage of your purchases to you.

Some shoppers will even get a new card to help them work toward a specific goal:

  • A card with a 0% introductory rate and no balance transfer fee to consolidate credit card debt.
  • Airline or hotel credit cards that may benefit frequent travelers.
  • Secured credit cards that can be useful for rebuilding credit.

It’s also important to choose a credit card that fits your spending habits and money management. That’s why you should always be balancing potential perks with a card’s costs.

10 credit card offers available today

If you’re on the lookout for a deal, start by comparing these 10 credit cards.

1. Barclaycard Arrival Plus® World Elite Mastercard®

  • Earn 2X miles on all purchases
  • 0% of each transaction in U.S. dollars foreign transaction fees
  • Annual fee $89 (waived first year)
  • 0% intro APR for the first 12 billing cycles following each balance transfer that posts to your account within 45 days of account opening, then a 18.24%, 22.24% or 25.24% variable APR applies
  • Balance transfer fee Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash advance fee of Either $10 or 5% of the amount of each cash advance, whichever is greater

The information related to the Barclaycard Arrival Plus® World Elite Mastercard® has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication.

2. Barclaycard Ring® Mastercard®

  • $0 annual credit card fee
  • 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.
  • Foreign transaction fees – None
  • Cash advance fee of $3 for each cash advance
  • Free access to FICO credit score and alerts when it changes

The information related to the Barclaycard Ring® Mastercard® has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication.

3. Barclaycard CashForward World Mastercard

(Update: As of Dec. 2017, the Barclaycard CashForward World MasterCard is no longer available)

    4. Chase Sapphire Preferred® Card

    • Earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
    • Points are worth 25 percent more when used to book travel through Chase Ultimate Rewards®
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
    • $0 foreign transaction fee
    • Annual fee – $95
    • Balance transfer fee of Either $5 or 5% of the amount of each transfer, whichever is greater.
    • Cash advance fee of Either $10 or 5% of the amount of each transaction, whichever is greater.

    The information related to the Chase Sapphire Preferred® Card has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication.

    5. Chase Sapphire Reserve®

    • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.
    • Points are worth 50 percent more when redeemed for travel purchases on Chase Ultimate Rewards
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • $0 foreign transaction fees
    • Annual credit card fee of $550
    • Balance transfer fee of Either $5 or 5% of the amount of each balance transfer, whichever is greater
    • Cash advance fee of Either $10 or 5% of the amount of each transaction, whichever is greater.

    The information related to the Chase Sapphire Reserve® has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication.

    6. Blue Cash Preferred® Card from American Express

    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions and 1% Cash Back on other purchases.
    • Introductory 0% on purchases for 12 months on purchases and balance transfers, then a 12.99%-23.99% Variable APR applies
    • Annual fee – $95
    • Balance transfer fee of Either $5 or 3% of the amount of each transfer, whichever is greater.
    • Cash advance fee of Either $10 or 5% of the amount of each cash advance, whichever is greater.
    • Foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
    • Terms Apply.

    The information related to the Blue Cash Preferred® Card from American Express has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication.

    7. Chase Slate®

    • Intro $0 on transfers made within 60 days of account opening. After that: Either $5 or 5%, whichever is greater.
    • 0% Intro APR on Balance Transfers for 15 months, then a 16.74% - 25.49% Variable APR applies
    • 0% Intro APR on Purchases for 15 months, then a 16.74% - 25.49% Variable APR applies
    • Annual fee – $0
    • Access to monthly FICO score, credit monitoring, and credit repair information
    • Foreign transaction fee of 3% of each transaction in U.S. dollars.

    The information related to the Chase Slate® has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication.

    8. Chase Freedom Unlimited®

    • 1.5% cash back offer.
    • $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
    • Annual fee – $0
    • 0% Intro APR for 15 months on purchases and balance transfers, then a 16.49% - 25.24% Variable APR applies
    • Foreign transaction fee of 3% of each transaction in U.S. dollars

    The information related to the Chase Freedom Unlimited® has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication.

    9. Capital One® VentureOne® Rewards Credit Card

    • Earn 1.25 Miles per dollar on every purchase, every day
    • Use rewards miles to book new travel reservations through the Capital One Rewards Center
    • One-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of account opening, equal to $200 in travel
    • Foreign transaction fee – None
    • Annual fee – $0

    The information related to the Capital One® VentureOne® Rewards Credit Card has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication.

    10. Capital One® QuicksilverOne® Cash Rewards Credit Card

    • Earn $39
    • Make the first five payments on time and get an automatic credit limit increase
    • Access credit score and management tools through CreditWise

    The information related to the Capital One® QuicksilverOne® Cash Rewards Credit Card has been collected by Student Loan Hero and has not been reviewed or provided by the issuer of this card prior to publication.

    Should you get a new credit card?

    Credit cards are important tools for both spending and building credit. And if you spend wisely with a credit card, you can reap credit card rewards without getting into debt. Just make sure to work on your spending habits before getting a new credit card.

    Additionally, you need to carefully read the credit card agreement before you get a new card. This will outline all interest charges and fees you will face as you use the card — and how you can avoid them.

    Make sure any credit card rewards will be worth the annual fee and other costs. You’ll want to check credit card APRs and avoid the highest ones if possible, especially if you tend to carry a balance.

    When you take the time to understand your own spending habits, you can find the best credit cards to match. You can also set yourself up for avoiding crippling credit card debt in the long-run.

    Interested in a personal loan?

    Here are the top personal loan lenders of 2020!
    LenderAPR RangeLoan Amount 
    1 Includes AutoPay discount. Important Disclosures for SoFi.

    SoFi Disclosures

    1. Fixed rates from 5.99% APR to 18.82% APR (with AutoPay). SoFi rate ranges are current as of March 19, 2020 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your creditworthiness, years of professional experience, income and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.
    2. To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull.
      See Consumer Licenses.
    3. Minimum Credit Score: Not all applicants who meet SoFi’s minimum credit score requirements are approved for a personal loan. In addition to meeting SoFi’s minimum eligibility criteria, applicants must also meet other credit and underwriting requirements to qualify.
    4. If you lose your job through no fault of your own, you may apply for Unemployment Protection. SoFi will suspend your monthly SoFi loan payments and provide job placement assistance during your forbearance period. Interest will continue to accrue and will be added to your principal balance at the end of each forbearance period, to the extent permitted by applicable law. Benefits are offered in three month increments, and capped at 12 months, in aggregate, over the life of the loan. To be eligible for this assistance you must provide proof that you have applied for and are eligible for unemployment compensation, and you must actively work with our Career Advisory Group to look for new employment. If the loan is co-signed the unemployment protection applies where both the borrower and cosigner lose their job and meet conditions.
    5. Terms and Conditions Apply: SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)

    2 Includes AutoPay discount. Important Disclosures for Opploans.

    Opploans Disclosures

    Direct Deposit required for payroll.

    Opploans currently operates in these states: . *Approval may take longer if additional verification documents are requested. Not all loan requests are approved. Approval and loan terms vary based on credit determination and state law. Applications processed and approved before 7:30 p.m. ET Monday-Friday are typically funded the next business day.

    1. To qualify, a borrower must (i) be a U.S. citizen or permanent resident; (ii) reside in a state where OppLoans operates; (iii) have direct deposit; (iv) meet income requirements; (v) be 18 years of age (19 in Alabama); and, (vi) meet verification standards.
    2. NV Residents: The use of high-interest loans services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

    3. OppLoans performs no credit checks through the three major credit bureaus Experian, Equifax, or TransUnion. Applicants’ credit scores are provided by Clarity Services, Inc., a credit reporting agency.

    4. Based on customer service ratings on Google and Facebook. Testimonials reflect the individual’s opinion and may not be illustrative of all individual experiences with OppLoans. Check loan reviews.

    5.  

      Rates and terms vary by state.


    3 Includes AutoPay discount. Important Disclosures for Payoff.

    Payoff Disclosures

    1. All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage and history. Currently loans are not offered in: MA, MS, NE, NV, OH, and WV.

    4 Important Disclosures for FreedomPlus.

    FreedomPlus Disclosures

    1. All loans available through FreedomPlus.com are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Eligibility for a loan is not guaranteed. Loans are not available to residents of all states – please call a FreedomPlus representative for further details. The following limitations, in addition to others, shall apply: FreedomPlus does not arrange loans in: (i) Arizona under $10,500; (ii) Massachusetts under $6,500, (iii) Ohio under $5,500, and (iv) Georgia under $3,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 5.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. To qualify for a 5.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $12,000.00, and with a term equal to 24 months. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you also qualify for the lowest rate available.

    5 Important Disclosures for Citizens Bank.

    Citizens Bank Disclosures

    1. Personal Loan Rate Disclosure: Fixed interest rates from 6.79% – 20.89% (6.79% – 20.89% APR) based on applicable terms. Lowest rates range from 5.99%- 18.99% (5.99%-18.99% APR), are for eligible applicants, require a 3-year repayment term, and include our Loyalty and Automatic Payment Discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.
    2. Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower has a qualifying account in existence with us at the time the borrower has submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, student loans or other personal loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI and VT. This discount will be reflected in the interest rate and Annual Percentage Rate (APR) disclosed in the Truth-In-Lending Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan, and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.
       
    3. Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their Citizens Bank Personal Loan during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account two or more times within any 12-month period, the borrower will no longer be eligible for this discount.

    6 Important Disclosures for LendingPoint.

    LendingPoint Disclosures

    • Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 6% may apply depending upon your state of residence. Upon LendingPoint’s final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. LendingPoint makes loan offers from $2,000 to $25,000, at rates ranging from a low of 9.99% APR to a high of 35.99% APR, with terms from 24 to 48 months. The loan offer(s) shown reflect a 28 day payment cycle which is being offered as a courtesy as many of our customers are paid on a biweekly schedule and thus this may better align the loan payment dates with your actual income receipt schedule.

    7 Important Disclosures for LendingClub.

    LendingClub Disclosures

    All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 6.95% to 35.89%*. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.49% as of Q1 2017. In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. LendingClub’s physical address is: LendingClub, 71 Stevenson Street, Suite 1000, San Francisco, CA 94105.

    †Per reviews collected and authenticated by Bazaarvoice in compliance with the Bazaarvoice Authentication Requirements, supported by anti-fraud technology and human analysis. All reviews can be reviewed at reviews.lendingclub.com

    **Based on approximately 60% of borrowers who received offers through LendingClub’s marketing partners between January 1, 2018 to July 20,2018. The time it will take to fund your loan may vary.


    8 Important Disclosures for Earnest.

    Earnest Disclosures

    1. Earnest does not lend in Alabama, Delaware, Kentucky, Nevada, or Rhode Island.

    9 Important Disclosures for Avant.

    Avant Disclosures

    *If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state.

    **Example: A $5,900 loan with an administration fee of 4.75% and an amount financed of $5,619.75, repayable in 36 monthly installments, with an APR of 29.95% would have monthly payments of $250.30.

    Based on the responses from 11,574 customers in a survey of 210,584 newly funded customers, conducted from 1 Feb 2018 – 1 Aug 2019 95.05% of customers stated that they were either extremely satisfied or satisfied with Avant. 4/5 Customers would recommend us. Avant branded credit products are issued by WebBank, member FDIC.


    * Important Disclosures for Upgrade Bank.

    Upgrade Bank Disclosures

    * Personal loans made through Upgrade feature APRs of 6.98%-35.89%. All personal loans have a 1.5% to 6% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by WebBank, Member FDIC.

    ** Accept your loan offer and your funds will be sent to your bank via ACH within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes this transaction. From the time of approval, funds should be available within four (4) business days.

    5.99% – 18.82%1$5,000 - $100,000

    Visit SoFi

    6.53% – 35.99%$1,000 - $50,000

    Visit Upstart

    6.98% – 35.89%*$1,000 - $50,000

    Visit Upgrade

    99.00% – 199.00%2$500 - $4,000

    Visit OppLoans

    5.99% – 24.99%3$5,000 - $35,000

    Visit Payoff

    5.99% – 29.99%4$7,500 - $40,000

    Visit FreedomPlus

    6.79% – 20.89%5$5,000 - $50,000

    Visit Citizens

    9.99% – 35.99%6$2,000 - $25,000

    Visit LendingPoint

    6.95% – 35.89%7$1,000 - $40,000

    Visit LendingClub

    5.99% – 17.24%8$5,000 - $75,000

    Visit Earnest

    9.95% – 35.99%9$2,000 - $35,000

    Visit Avant

    Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.