Best Credit Cards of August 2019

What is the best credit card? In truth, there is no one-size-fits-all card; the best credit card for you depends on your goals and lifestyle. That’s why the experts at have compiled a list of the best cards in each major category, from cash back and travel rewards to balance transfers and more. Explore our top picks from our partners and find the best credit card for you.

Editorial disclosure: All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.


A Guide to Finding the Perfect Credit Card for You

The credit cards in your wallet are some of the most important financial tools in your life. You might be on the hunt for the perfect balance transfer card. Or you could have your eye out for the right travel card offer. Whatever the reason, the best card for you awaits. At, we’ve compiled thousands of hours of research to help you find the best credit cards of 2019 across the most popular categories.

We also recognize that there is not one single best card for all occasions; different people have different needs at different times, and the card you use at the grocery store is not necessarily the card you should use to book airline tickets. With new credit cards constantly entering the market and offers frequently changing, it can be tough to wrap your head around all of the available options. We’re all over it for you. Check this page regularly for the latest information on the best credit cards and how they compare to the field – we update it almost every day!

Compare’s Best Credit Card offers

Here is a summary of our top picks in an easy-to-read table, with our choice for the best credit card in each major category. If you have any questions, feel free to email us at [email protected] or leave us a comment below.

Credit CardCategoryAnnual FeeReview Score
Chase Sapphire Preferred® CardSign-up Bonus$953.9 / 5
Discover it® Cash BackRotating Cash Back$04.3 / 5
Capital One® Venture® Rewards Credit CardTravel$95 waived first year4.2 / 5
Wells Fargo Propel American Express® cardRewards$03.5 / 5
Capital One® Quicksilver® Cash Rewards Credit CardFlat-rate Cash Back$03.4 / 5
Discover it® Balance TransferLow Interest$04.5 / 5
Capital One® VentureOne® Rewards Credit CardNo Annual Fee$03.5 / 5
Capital One® Savor® Cash Rewards Credit CardDining Rewards$95 waived first year4.8 / 5
Blue Cash Preferred® Card from American ExpressGas Rewards$954.3 / 5
Citi Simplicity® Card – No Late Fees EverBalance Transfer$03.7 / 5
Wells Fargo Platinum card0% Intro APR$04.4 / 5
Bank of America® Travel Rewards credit cardNo Foreign Transaction Fee$03.4 / 5
Gold Delta SkyMiles® Credit Card from American ExpressAirline Miles$95 waived first year3.6 / 5
Ink Business UnlimitedSM Credit CardSmall Business$03.5 / 5
Capital One® Platinum Credit CardFair Credit$03.7 / 5
Credit One Bank® Visa® Credit CardBad Credit$0-$992.2 / 5
Discover it® Student Cash BackStudents$04.2 / 5

Our methodology and research

3,476Credit Cards Analyzed
600Banks Analyzed

Criteria Used

Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.

Common Benefits:

  • Auto rental Insurance
  • Extended warrant program
  • Travel accident insurance
  • Purchase protection
  • Price protection
  • Lost Luggage reimbursement
  • Concierge service
  • Roadside assistance
  • Free credit score

What factors to consider when choosing the best credit card

When you are ready for a new credit card, you’ll first want to identify which type is right for you. With the right card, you can earn hundreds of dollars a year, build your credit or enjoy special travel benefits. Here are 8 questions to ask yourself in your endeavor to choose the best card.

Want to build credit?

Most credit cards, including cards for authorized users, allow you to build credit. But check with the card issuer to make sure they’ll report your credit habits to the 3 major credit bureaus.

Paying a lot of interest and fees?

A balance transfer card helps take away the sharp edges of credit card debt, although you still need to pay off the balance before the 0% intro APR offer ends.

Credit not its best?

Cards for consumers with bad or thin credit can help with this.

Willing to strategize your spending?

A couple of cards offer quarterly categories of 5% cash back – such categories as home improvement stores, wholesale clubs and Load up on spending each quarter for rotating categories.

Specific categories you often use?

Some cards, such as the Amex Blue Cash cards, offer improved rewards year-round on such categories as gas and groceries.

Want to use it and forget it?

For those of us who don’t want to think about our shopping rewards, some travel and cashback cards reward at a flat rate for all spending.

Travel your thing?

If you plan to travel often (or even occasionally), some cards reward for worldwide travel and restaurants, such as the Chase Sapphire cards. Flat rate travel cards are also available.

Have a favorite brand?

Express yourself with a card that delivers miles for using your hotel or airline brand of choice.

Best Credit Card Deals 3

Best Credit Cards of August 2019

There is a myriad of cards for all sorts of purposes, from rewards to credit building. Here, we look at 17 of the top card categories that could serve you well, depending on your goals, credit score and what features interest you most.

Chase Sapphire Preferred® Card

Why this is the best credit card for sign-up bonus: Chase Sapphire Preferred’s 60,000 points after a $4,000 spend within the first 3 months is actually worth an incredible $750 when you redeem for travel through the Chase Ultimate Rewards portal.


This card’s ongoing rewards for worldwide travel and dining are tough to match. Also, you can transfer rewards from the Chase Freedom and Freedom Unlimited to redeem more travel rewards through the Chase Ultimate Rewards portal.


The regular APR starts out high at 18.24%-25.24% variable, and the $95 annual fee isn’t waived the first year.

Discover it® Cash Back

Why this is the best credit card for rotating cash back: Not only can you enroll quarterly to enjoy 5% back on rotating categories (up to $1,500 in purchases, then 1%) with the Discover it Cash Back, you can also earn double back at the end of your first year, a unique feature.


Categories include such items as everyday spending like restaurants and gas stations, as well as big ticket purchases at and home improvement stores. In addition, you can redeem at checkout.


There is no sign-up bonus with this card, and the travel and purchases benefits are non-existent.

Capital One Venture® Rewards Credit Card

Why this is the best credit card for travel rewards: If you are looking for an all-purpose travel card that doesn’t put a lot of limits on your travel redemptions, the Capital One Venture Rewards is a fine choice.


This card’s travel features include lucrative partnerships with more than a dozen airlines, as well as through January 2020. The $95 annual fee is also waived the first year.


Although you can earn 2X miles on all spending with the Venture Rewards card, those miles don’t get a boost like that of the Sapphire Preferred.

Wells Fargo Propel American Express® card

Why this is the best credit card for rewards: Although the Wells Fargo Propel American Express doesn’t have a flat rate for all spending, its category choices are numerous enough to make it a keeper for everyday rewards.


This card offers quirky little rewards surprises for such categories as popular streaming services, homestays and rideshares, in addition to all sorts of travel, transportation and dining. Also, the sign-up bonus is crazy high for a no-annual-fee card.


The 12-month 0% intro APR on purchases and qualifying balance transfers (then 16.24% – 28.24% variable) doesn’t compare well to other comparable cash rewards cards, unfortunately.

Capital One® Quicksilver® Cash Rewards Credit Card

Why this is the best credit card for flat-rate cash back: If you are looking for a no frills, easy-to-manage cash back card, the Capital One Quicksilver is the perfect option.


With a serviceable sign-up bonus and a flat rate for spending, this card competes well in the cash back landscape. Unlike the Freedom cards, this card offers no foreign transaction fee.


If you like the idea of timing your spending to get higher rewards, this is not a good choice for you. Instead, look at the Discover it Cash Back or the Chase Freedom.

Discover it® Balance Transfer

Why this is the best credit card for low interest: Unlike other 0% intro APR cards, the Discover it Balance Transfer has a regular APR that starts out quite low at 14.24%-25.24% variable.


This card’s 18-month 0% intro APR balance transfer offer takes you into 2021, and carries the same great rewards as the Discover it Cash Back, making it a BT card with longevity.


Unfortunately, the 0% intro APR offer on purchases is the shortest available on the market at just 6 months, making it not a good choice when you plan to carry a balance on new purchases over a long period of time.

Capital One® VentureOne® Rewards Credit Card

Why this is the best credit card for no annual fee: If you are looking for a travel card to start out with and you don’t relish an annual fee, consider the Capital One VentureOne Rewards.


This little brother of the Venture Rewards offers the same great rewards through January 2020 with, as well as a nice little sign-up bonus and ongoing rewards.


If you are looking to maximize your travel spending and earnings, there are better cards out there, provided you have the patience to work a little for your dinner.

Capital One® Savor® Cash Rewards Credit Card

Why this is the best credit card for dining rewards: The Savor Cash Rewards is unbeatable in this category, which includes entertainment. If you find yourself often eating out, consider this card.


With this card, you can earn boosted rewards at grocery stores and the sign-up bonus is superior for a cash back card. Another feature: Receive a monthly statement credit for a Postmates Unlimited monthly membership through December 2019.


The downside is that there is an annual fee of $95 (waived the first year), although there are no foreign transaction fees.

Blue Cash Preferred® Card from American Express

Why this is the best credit card for gas rewards: The Blue Cash Preferred is not only strong in the category of U.S. supermarkets and transportation, but also at U.S. gas stations. If you do a fair amount of shuttling your family around or driving a daily commute, this is a good card for you.


A top cash back product for tiered categories, this card offers a new opportunity with 6% cash back on select U.S. streaming services, one of the first cards to offer this reward. Also, it has a 0% intro APR offer for 12 months on both purchases and balance transfers (it’s 15.24% – 26.24% variable after that), ideal for moderately sizeable purchases or balances.


The introductory bonus isn’t as robust as that of the Capital One Savor, although its required spend is lower. Also, the $95 annual fee isn’t waived the first year.

Citi Simplicity® Card – No Late Fees Ever

Why this is the best credit card for balance transfer: Nobody comes close to the Citi Simplicity in the balance transfer offer – 0% intro APR for 21 months, long enough to take you well into 2021. It’s 16.99% – 26.99% variable after that.


There was never a card with so many great “no’s” – no late fees, no penalty rate and no annual fee. Also, there’s a moderate 0% intro APR offer on purchases for 12 months (then 16.99% – 26.99% variable) if you have a bigger purchase to make.


This card is thin on rewards, including no sign-up bonus, which can impact whether this is a good card for you in the long run. Also, the balance transfer fee is on the high end, at 5% or $5, whichever is greater.

Wells Fargo Platinum card

Why this is the best credit card for 0% interest: The Wells Fargo Platinum is a fine option as a well-balanced 0% intro APR card for both purchases and qualifying balance transfers for 18 months (then 17.74% – 27.24% variable).


This card offers up to $600 protection on your cellphone (with a $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your card. Also, you can get your free FICO score with this card.


Like the Citi Simplicity, this card has no sign-up bonus and no ongoing rewards, which might impact your decision-making.

Bank of America® Travel Rewards credit card

Why this is the best credit card for no foreign transaction fee: Planning overseas travel at some point soon? The Bank of America Travel Rewards card works hard for you as a well-rounded travel card with no foreign transaction fees.


This card offers variety and flexibility in how you can redeem your points, including statement credits for flights, hotel stays, rental cars, cruises, vacation packages or baggage fees.


For a travel card with no annual fee, this card’s sign-up bonus is competitive, but among all travel cards, not so much. The same is true of the ongoing rewards.

Gold Delta SkyMiles® Credit Card from American Express

Why this is the best credit card for airline miles: The Gold Delta SkyMiles Card rewards mightily for purchases made dirctly through Delta Airlines, making it a first stop among airline cards if you are a Delta loyalist.


Enjoy free first checked bag for you and up to eight companions with this card. You can also get priority boarding. The $95 annual fee is waived the first year.


As a general-purpose rewards card, this product doesn’t perform so well. If your spending leans more toward everyday spending, you might consider a general-purpose travel card or even a cash back card.

Ink Business Unlimited℠ Credit Card

Why this is the best credit card for small business: The Ink Business Unlimited’s 1.5% cash back on all spending makes it convenient and lucrative for the small-business owner.


The Ink Business Unlimited’s sign-up bonus is more than generous, at $500 after a $3,000 spend within the first 3 months.


If you are looking for a card that have a 0% intro APR offer on balance transfers, you might want to look at consumer cards, because business cards typically don’t have BT offers. That said, this card does offer a modest purchase offer.

Capital One® Platinum Credit Card

Why this is the best credit card for fair credit: The Capital One Platinum Credit Card is the rare card that both accepts fair credit and has no annual fee, allowing you to focus on building your credit.


In addition to accepting fair credit, this card allows you access to a higher credit limit after 5 months of on-time payments, making it a strong first card.


This card offers a crazy high regular APR of 26.96% variable, so you don’t even want to think about carrying a balance, and there is no sign-up bonus or ongoing rewards.

Credit One Bank® Visa® Credit Card

Why this is the best credit card for bad credit: The Credit One Bank Visa is a fun little first card that gives you a number of design options and custom email and text alerts that can keep you on track with your credit goals.


This is one of the rare cards that accepts bad credit and offers ongoing rewards at the same time.


There’s no sign-up bonus with this card, and you can expect an annual fee of up to $99, which can eat into your budget.

Discover it® Student Cash Back

Why this is the best credit card for students: The Discover it Student Cash Back is one of the few cards with a feature especially for students – earn $20 each year for up to the next 5 years by earning at least a 3.0 GPA.


This is a great first card for the beginning consumer because no credit is required. Add to that, this card has the same great ongoing rewards as the signature Discover it Cash Back.


Unfortunately, you may have trouble getting this card if you don’t have independent income, because of federal rules in place to protect consumers under 21 years old.