Credit Cards

Make a quick comparison of the top credit cards in today’s market before you apply for one. Find out how these credit cards made it to our top list.

From sign-up bonuses to big rewards, we have made the list of the top credit cards available today. Compare the deals these credit cards offer and find the best one that will fit your needs.

Should I Get a Credit Card?

Getting a credit card can feel like a milestone for a young adult. The first time you pull out that plastic card to pay at the store you join the ranks of your elders and are reminded of the countless movie scenes where you’ve seen it happen on a casual basis.

But beyond that moment of accomplishment, is applying for a credit card account a great idea? That will depend on how you will use it and whether the card that you obtained suits your personal needs. Getting a credit card is a long-term commitment. Many people learn it the hard way, but you can use a credit card to build your credit rating until it's high enough for you to apply for low-rate car loans, house loans, and more.

So before filling up that form, make sure that you fully understand what you are getting into. Here are some of the things that you should consider.

Benefits of Opening a Credit Card

Getting a credit card means that you’re receiving a line of credit from the financial institution of your choice. The account that you’re going to open will have a certain credit limit depending on the card issuer’s assessment of your ability to pay back the credit they give you ( your creditworthiness). As long as you stay within the credit limit that the financial institution has set, you can continue making purchases and continue making use of this line of credit.

Having an additional payment option in your wallet has a lot of advantages. For example, you will have a safety net in case you fall short of your budget.

One of the best perks of having a credit card is the reward points. Even if you have a lot of funds in your savings account, you might want to use your credit card to earn points.

The Downside of Credit Cards

Having a credit card is really convenient, but it also has its downsides. A lot of cards are an unsecured form of credit, which means that our debt is not backed up by any form of collateral. And because of this, credit card companies charge higher interest rates compared to other loans when you fail to pay down your balance.

But if you regularly pay your balance in full, you won’t have that problem.

Avoid Credit Card Traps

Nowadays, there are many credit card companies who offer a 0% APR introductory rate to entice their borrowers. It may sound like a great deal at first, but in the long run, your credit line is anything but free. After the promotional period ends, the real finance charges will kick in.

Top 10 Credit Cards and Credit Cards websites

We ranked the best Credit Cards websites so that you can find what you need.

Last updated: 2021-07-26

Rank

Provider

Description & Features

Site

1

★★★★★

844 Data points

CreditCards.com
CreditCards.com
Find the best credit card deals by comparing a variety of offers for balance transfers, rewards, low interest, and more. Apply online at CreditCards.com.

2

★★★★★

781 Data points

Credit Cards: Find & Apply for a Credit Card Online at ...
Credit Cards: Find & Apply for a Credit Card Online at ...
Credit Cards: Find & Apply for a Credit Card Online at Bank of America Explore a variety of credit cards including cash back, lower interest rate, travel rewards, cards to build your credit and more. Find the credit card that's right for you and apply online today. credit cards, credit card, credit card applications, credit card application, apply for a credit card, apply for credit card ...

3

★★★★★

723 Data points

Apply Online for a Credit Card – Citi Cards & Offers ...
Apply Online for a Credit Card – Citi Cards & Offers ...
Citi ® offers you a selection of credit card offers with a diverse range of benefits and rewards to fit your needs - from low introductory APR on balance transfers to travel rewards... Read More. Choose a credit card below and explore a variety of unique features - including easy-to-earn points or cash back rewards. To decide which Citicard is right for you, compare some of Citi’s credit ...

4

★★★★

670 Data points

Credit Cards | Compare Credit Card Offers | NerdWallet
Credit Cards | Compare Credit Card Offers | NerdWallet
Find the best credit cards for you. Now you can compare cards side-by-side, plus get info about rewards, points, interest rates, and how to apply--all in one place.

5

★★★★

620 Data points

Chase Credit Cards
Chase Credit Cards
Explore different credit card offers from Chase. Chase offers cash back credit cards, rewards credit cards, travel credit cards and business credit cards. Apply for a Chase credit card now.

6

★★★★

574 Data points

Best Credit Cards of September 2019 - NerdWallet
Best Credit Cards of September 2019 - NerdWallet
NerdWallet’s credit card experts rank the best credit cards out there. Offers include no fee cash back cards with up to 5% back on purchases, cards with 0% interest for up to 18 months, and ...

7

★★★★

532 Data points

Discover
Discover
Credit Cards. All our credit cards are built to give you great rewards and the treatment you deserve, from our flagship cash back credit card to our flexible travel credit card.. Building a Credit History. Check your FICO ® Credit Score for free on mobile and online. If you're building or rebuilding your history, explore our secured credit card.And our student credit cards can help you start ...

8

★★★

492 Data points

Chase
Chase
Chase online; credit cards, mortgages, commercial banking, auto loans, investing & retirement planning, checking and business banking.

9

★★★

456 Data points

Best Credit Cards for Fair/Average Credit in 2019 ...
Best Credit Cards for Fair/Average Credit in 2019 ...
Credit cards for fair credit include a variety of options including cards that offer rewards like cash back and bonus points. Finding the right card can help you continue to build your credit history and improve your credit score. Here are our best credit cards for fair credit. Credit cards for fair ...

10

★★★

422 Data points

Capital One
Capital One
Expect more with 360 Money Market® Grab one of the nation's top savings rates with this fee-free, online and mobile account. Learn more.

Credit Cards videos considered

We analyzed 8,138 hours of the most informative Credit Cards videos. These videos stood out the most:

Local Credit Cards near you

Noodle Village

13 Mott St, New York, NY 10013

Bank Associates Merchant Services

413 86th St, Fl 2

Vanessa's Dumpling House

118A Eldridge St, New York, NY 10002

Shanghai 21

21 Mott St, New York, NY 10013

Happy Veggie Restaurant

76 Mott St, Lower Level

Shanghai Heping Restaurant

104 Mott St, New York, NY 10013

AlMar

111 Front St, Brooklyn, NY 11201

MDB of New York Credit Repair Consulting

2301 Avenue Z Brooklyn, New York, NY 11235

Chase Bank

28 Liberty St, New York, NY 10005

Useful Credit Cards Resources

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This comparison site is made up of our own opinions and views. The ranking is determined at our discretion and is not to be used for accuracy purposes. We can provide this service at no charges thanks to a combination of referral fees and advertising income we receive from various publishers and service providers. These payments may affect our rankings and the score we assign to websites, products, and vendors. Our ratings do not imply endorsement of any kind. This website's information, rankings, and vendor list is subject to change without notice at any time.