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 and will make a positive impact in your life. 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 understand what you are buying, and consult 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. Please do your homework and let us know if you have any questions or concerns.

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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 the best credit card offers still takes some time and effort, especially if you want to reap the lowest costs and biggest rewards. Here’s a look at the best credit cards out there today.

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 best credit card offers available today

The best credit card companies offer significant savings – through low fees, big rewards, or a combination of the two. So if you’re on the lookout for a deal, start by comparing these 10 best credit cards.

1. Barclaycard Arrival Plus World Elite MasterCard

  • Travel rewards card that earns 2X miles on every purchase
  • Redeem miles for statement credits on travel purchases
  • Miles never expire
  • Get five percent of redeemed miles back
  • Barclaycard Arrival Plus World Elite cardholders get complimentary travel benefits
  • No foreign transaction fees
  • Annual fee waived for the first year (then it’s $89 a year)
  • Pay 0% APR for 12 months on balance transfer made within the first 45 days
  • Balance transfer fee of $5 or three percent, whichever is greater
  • Other transaction fees
  • Cash advance fee of $10 or five percent, whichever is greater
  • Requires good to excellent credit (typically 700 credit score or higher)
  • Free access to FICO score and alerts when your score changes

2. Barclaycard Ring Mastercard

  • No annual credit card fee
  • 0% introductory APR on new purchases and balance transfers for the first 15 months
  • No foreign transaction fees
  • Cash advance fee of just $3
  • Free access to FICO credit score and alerts when it changes
  • Qualify for the Barclaycard Ring MasterCard with good to excellent credit (FICO score of 700 or higher)
  • Earn rewards to keep or donate through the Barclaycard Giveback program
Apply for the Barclaycard Ring Mastercard

3. Barclaycard CashForward World Mastercard

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

  • Cash back card that earns 1.5 percent on every purchase
  • Cash rewards never expire
  • Redeem rewards once you accrue $50 or more
  • Redeem cash back as a statement credit, deposit into a bank account, or gift card
  • Earn a five percent rewards bonus whenever you redeem rewards
  • Sign up for a Barclaycard CashForward World MasterCard and get a bonus of $200 when you spend $1,000 in the first 90 days
  • No annual fee
  • 0% introductory APR for the first 15 months on new purchases and balance transfers
  • Foreign transaction fee of three percent
  • Balance transfer fee of $5 or three percent, whichever is greater
  • Cash advance fee of $10 or five percent, whichever is greater
  • View your FICO score for free online, and get alerts if it changes
  • Will need good to excellent credit to qualify for this card (usually 700 FICO score or higher)

4. Chase Sapphire Preferred

  • Earn double points on travel and dining, one point per $1 for all other purchases
  • Redeem points when you’ve accrued 2,000 or more
  • Flexible options to redeem points include cash back, gift cards, point transfers, and travel purchases
  • Points are worth 25 percent more when used to book travel through Chase Ultimate Rewards
  • 50,000-point bonus (worth $625 when redeemed for travel purchases) for signing up and spending $4,000 within three months
  • Get an additional 5,000 bonus points by adding an authorized user to your Chase Sapphire Preferred card
  • No foreign transaction fee
  • Insurance for baggage delays, trip cancellation, or trip interruptions
  • Reimbursement for purchases due to trip delays
  • Auto rental collision damage waiver
  • $0 annual credit card fee for the first year (then $95 a year)
  • Balance transfer fee of $5 or five percent, whichever is greater
  • Cash advance fee of $5 or five percent of advance, whichever is greater
Apply for the Chase Sapphire Preferred Card

5. Chase Sapphire Reserve

  • Earn 3X points on travel and dining (all other purchases earn one point per $1)
  • Redeem points when you’ve accrued 2,000 or more
  • Flexible options to redeem points including cash back, gift cards, point transfers, and travel purchases
  • Points are worth 50 percent more when redeemed for travel purchases on Chase Ultimate Rewards
  • Free annual $300 credit toward travel purchases made with your Chase Sapphire Reserve card
  • Get 50,000 bonus points (worth $750 when redeemed for travel purchases) by spending $4,000 in the first three months
  • No foreign transaction fees
  • Complimentary Priority Pass membership
  • Statement credit for the full $100 fee to apply for TSA Pre✓®
  • Discounts on car rentals with Avis, National Car Rental, and Silvercar
  • Access to the Luxury Hotel & Resort Collection program benefits and Guest Privileges
  • Annual credit card fee of $450, plus $75 per authorized user
  • Balance transfer fee of $5 or five percent, whichever is greater
  • Cash advance fee of $10 or five percent, whichever is greater
  • Qualify with excellent credit (credit score near or over 700)
Apply for the Chase Sapphire Reserve Card

6. Amex Blue Cash Preferred

  • Get six percent cash back at supermarkets (excluding warehouse stores) up to $6,000, then earn one percent cash back after that
  • Earn three percent cash back at gas stations and select department stores
  • Earn one percent cash back on all other purchases
  • Rewards are accrued as Blue Cash Rewards Dollars
  • Accrue $25 or more in Rewards Dollars to claim your credit in increments of $25
  • Redeem Rewards Dollars for statement credits
  • 0% APR on new purchases and balance transfers for the first 12 months
  • Amex Blue Cash Preferred credit card annual fee is $95
  • Balance transfer fee of $5 or three percent of the transfer, whichever is greater
  • Cash advance fee of $5 or three percent of advance, whichever is greater
  • Foreign transaction fee of 2.7 percent after conversion into U.S. dollars
  • Access American Express member perks including extended warranties, return protection, and purchase protection on items bought with this card
Apply for the Amex Blue Cash Preferred Card

7. Chase Slate

  • No fee on balance transfers made within the first 60 days
  • 0% APR for purchases and balance transfers for the first 15 months
  • No annual fee on the Chase Slate card
  • No penalty APR on late payments
  • Access to monthly FICO score, credit monitoring, and credit repair information
  • Balance transfer fee of $0 in the first 60 days then $5 or five percent on transfers made after, whichever is greater
  • Cash advance fee of $10 or five percent of the advance amount, whichever is greater
  • Foreign transaction fee of three percent
Apply for the Chase Slate Card

8. Chase Freedom Unlimited

  • Earn 1.5 percent cash back on all purchases
  • No minimums to claim Chase Freedom Unlimited cash back rewards
  • Cash back rewards never expire
  • Get $150 bonus if you make $500 of purchases on the card in the first three months
  • Earn an additional $25 bonus if you add an authorized user and the user makes their first purchase within the first three months
  • No annual credit card fee
  • 0% APR for the first 15 months on new purchases and balance transfers
  • Balance transfer fee of $5 or five percent of transfer amount, whichever is greater
  • Cash advance fee of $10 or five percent of the transaction amount, whichever is greater
  • Foreign transaction fee of three percent
  • Qualify with excellent credit and a FICO score near or above 700
Apply for the Chase Freedom Unlimited Card

9. Capital One Venture Rewards

  • Earn double miles on all purchases
  • Redeem miles to pay off past travel purchases made within the past 90 days
  • Use rewards miles to book new travel reservations through the Capital One Rewards Center
  • Rewards are unlimited and never expire
  • Get 40,000 bonus miles (worth $400 in travel purchases) when you spend $3,000 within the first three months
  • No foreign transaction fee
  • Free upgrades and discounts at some hotels, resorts, and spas
  • Complimentary concierge service
  • Auto rental collision damage waiver
  • $0 annual fee for the first year, then $59 a year after that
  • No balance transfer fee
  • Cash advance fee of $10 or three percent of advance amount, whichever is greater
  • Qualify for the Capital One Venture Rewards card with excellent credit (a FICO score around 700 or above)
Apply for the Capital One Venture Rewards Card

10. Capital One QuicksilverOne

  • Earns 1.5 percent cash back on all purchases
  • No limits and no categories to earn rewards
  • Redeem rewards at any time, with no minimums
  • Receive cash back as credit statements or by check
  • Set up rewards to redeem automatically
  • Set automatic balance alerts and bill reminders so you never miss a payment
  • Choose your own payment date
  • Capital One QuicksilverOne credit card annual fee is $39
  • No balance transfer fee
  • No foreign transaction fee
  • Cash advance fee of $10 or three percent of advance amount, whichever is greater
  • Make the first five payments on time and get an automatic credit limit increase
  • Access credit score and management tools through CreditWise
  • Qualify with just average credit, around 630-640 and higher
Apply for the Capital One QuicksilverOne Card

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 2018!
LenderAPR RangeLoan Amount 
1 Includes AutoPay discount. Important Disclosures for SoFi.

SoFi Disclosures

  1. Personal Loans: Fixed rates from 6.990% APR to 14.865% APR (with AutoPay). Variable rates from 6.255% APR to 12.555% APR (with AutoPay). SoFi rate ranges are current as of September 1, 2018 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 credit worthiness, years of professional experience, income and other factors. See APR examples and terms. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 6.255% APR assumes current index rate derived from the 1-month LIBOR of 2.08% plus 4.425% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. 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.

    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.
  2. 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.
  3. SoFi Personal Loans are not available to residents of MS. Maximum interest rate on loans for residents of AK and WY is 9.99% APR, for residents of IL with loans over $40,000 is 8.99% APR, for residents of TX is 9.99% APR on terms greater than 5 years, for residents of CO, CT, HI, VA, SC is 11.99% APR, and for residents of ME is 12.24% APR. Personal loans not available to residents of MI who already have a student loan with SoFi. Personal Loans minimum loan amount is $5,000. Residents of AZ, MA, and NH have a minimum loan amount of $10,001. Residents of KY have a minimum loan amount of $15,001. Residents of PA have a minimum loan amount of $25,001. Variable rates not available to residents of AK, TX, VA, WY, or for residents of IL for loans greater than $40,000.
  4. 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 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.

3 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 4.99% 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 4.99% APR loan, a borrower will need excellent credit on a loan of $15,000 with a term of 24 months, and qualify for at least two of the following discounts: (1) add a co-borrower who has sufficient income; (2) use at least fifty percent of the loan proceeds to directly pay off existing debt; or (3) show proof of having at least forty-thousand dollars in retirement savings – contact FreedomPlus for further details.

4 Important Disclosures for Citizens Bank.

Citizens Bank Disclosures

  1. Personal Loan Rate DisclosureFixed interest rates from 6.49% – 19.49% (6.49% – 19.49% 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.

5 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 15.49% APR to a high of 34.49% 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.

6 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 6.16% to 35.89%. 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 time of application. The origination fee ranges from 1% to 6% and the average origination fee is 5.49% as of Q1 2017. 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 or longer.


7 Important Disclosures for Earnest.

Earnest Disclosures

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

8 Important Disclosures for Avant.

Avant Disclosures

* The actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors. Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday. Avant branded credit products are issued by WebBank, member FDIC.

** Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33


* Important Disclosures for Upgrade Bank.

Upgrade Bank Disclosures

* Your loan terms are not guaranteed and are subject to our verification and review process. You may be asked to provide additional documents to enable us to verify your income and your identity. This rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay your payments will be automatically deducted from you bank account. Selecting Autopay is optional. Annual Percentage Rate is inclusive of a loan origination fee, which is deducted from the loan proceeds. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. All loans made by WebBank, member FDIC. Please refer to Upgrade’s Terms of Use and Borrower Agreement for all terms, conditions and requirements.

** 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.

7.73% – 29.99%$1,000 - $50,000Visit Upstart
6.26% – 14.87%1$5,000 - $100,000Visit SoFi
6.99% – 35.97%*$1,000 - $50,000Visit Upgrade
8.00% – 25.00%2$5,000 - $35,000Visit Payoff
4.99% – 29.99%3$10,000 - $35,000Visit FreedomPlus
5.99% – 18.99%4$5,000 - $50,000Visit Citizens
15.49% – 34.49%5$2,000 - $25,000Visit LendingPoint
6.16% – 35.89%6$1,000 - $40,000Visit LendingClub
6.99% – 18.24%7$5,000 - $75,000Visit Earnest
9.95% – 35.99%8$2,000 - $35,000Visit Avant
Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. 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 understand what you are buying, and consult 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. Please do your homework and let us know if you have any questions or concerns.