Top 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.

✔ Last updated: 2020-11-23

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.




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100+ Ratings

✔ Double cash back
✔ Can earn 3% cash back on all purchases in your first year up to $20,000 spent
✔ 0% Intro APR for 15 months from account opening on purchases and balance transfers
✔ No minimum to redeem for cash back
✔ Cash Back rewards do not expire as long as your account is open
✔ Free credit score, updated weekly with Credit Journey℠
✔ No annual fee

100+ Ratings

✔ 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
✔ Unlimited 1% cash back on all other purchases
✔ 0% Intro APR for 15 months from account opening on purchases and balance transfers
✔ No annual fee

100+ Ratings

✔ Earn unlimited 1.5% cash rewards on all purchases.
✔ Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
✔ 10% Anniversary Bonus on all Cash Rewards earned once a year.
✔ No Annual Fee.
✔ 0% Intro APR for 12 months on purchases and balance transfers, then a 15.24%, 19.24% or 25.24% variable APR.
✔ No Foreign Transaction Fees.

100+ Ratings

✔ Very competitive premiums
✔ Manage your policy online with Esurance mobile
✔ Excellent customer support services
✔ Create a more personalized car insurance that meets your needs
✔ Flexible payment options
✔ Accident forgiveness

100+ Ratings

✔ Safe Driving Bonus Check – For every 6 months of accident-free driving you can earn a check from Allstate!
✔ Allstate has been in business over 80 years.
✔ Drivers who switched to Allstate saved an average of $356 a year.
✔ Adjustable limits and deductibles
✔ Large network of local agents & strong financial ratings
✔ Roadside services & Rental reimbursement
✔ Wide list of discount options – Including Safe Driver, Prepaid Policy & More
✔ Available nationwide

100+ Ratings

✔ Discover will match ALL the cash back you’ve earned at the end of your first year, automatically.
✔ Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, and more
✔ Earn unlimited 1% cash back on all other purchases – automatically.
✔ Redeem cash back any amount, any time. Rewards never expire.
✔ Use your rewards at checkout.
✔ Get an alert if we find your Social Security number on any of thousands of Dark Web sites.
✔ Activate for free.

100+ Ratings

✔ Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% cash back as you pay for those purchases.
✔ Receive 0% for 18 months on balance transfers made within 4 months of account opening
✔ Balance Transfers do not earn cash back; transfer fee applies
✔ No categories to track and no caps on cash back
✔ No annual fee

100+ Ratings

✔ Earn unlimited 2% cash back for your business on every purchase, everywhere
✔ Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
✔ $0 annual fee for the first year; $95 after that
✔ $0 Fraud Liability if your card is lost or stolen
✔ Free employee cards, which also earn unlimited 2% cash back on all purchases
✔ Rewards won’t expire for the life of the account

100+ Ratings

✔ Strong financial ratings
✔ Good variety of discount options
✔ Large number of local agents
✔ Classic cars, motorcycle, and recreation vehicle insurance
✔ Great coverage options
✔ 24/7 claims reporting
✔ Roadside assistance

Should I Get a Credit Card?

Getting a credit card can be considered as a rite of passage. There is nothing that will make you feel more like a real adult than searching into your wallet and pulling out a piece of plastic with your name on it.

But beyond that moment of accomplishment, is applying 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. There is a lot of people who have learned the hard way, but if you use it right, you can build a good credit history that will eventually qualify you for good rates on car loans, house mortgages, and other financial tools.

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 getting access to a revolving line of credit from the bank of your choice. The account that you’re going to open will come with a predetermined credit limit based on the card issuer’s assessment of your creditworthiness. But as long as your outstanding balance stays within that limit that they have set, you can continue racking up charges.

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 with 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 saving 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.



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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.