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Best Credit Cards 2018
26 Jul 2018

Best Credit Cards 2018: Which Should You Get?

There are as many reasons for choosing a credit card as there are ways to earn credit card points.

Perhaps you want a card that will give you beaucoup travel rewards to make your vacations as inexpensive as possible.

Maybe you want a card that will help you in your day-to-day by offering you cash back on the purchases you make the most.

Or you might need a card that helps you out of a tight spot. You may have no credit. You may have terrible credit.

There are credit cards that fit all of these functions.

But the number of credit cards in circulation is more than one billion. We get how the options can seem endless.

But don’t worry. You don’t have to go rooting in the wallets of everyone in the United States to find the credit card that’s right for you. We’ve got you covered.

These are the best credits cards 2018 has to offer.

Best Credit Cards 2018: The Comprehensive List

We’ve listed below the best credit cards you’ll find on the market. We compared them on some basic features like annual fees, APR, and the credit the issuers recommend you have to apply for the card.

Rather than list specific credit scores, we’ve assigned names to scores that run from low to high as follows: poor, bad, damaged, fair, good, excellent.

Here’s a visual shortcut you can use while navigating this list to sort by recommended credit: secured/preferred. Credit card issuers offer their “secured” cards to customers with more volatile credit. They offer their “preferred” cards to people who own sparkling credit scores.

Pay close attention to the “Perks” section of each card’s description. This is where you’ll find the features that set each card apart when it comes to rewards and special features. You’ll have your own priorities in this department, so know them and make note of which cards match your preferences.

American Express Platinum

Issuer: American Express

Regular APR: N/A

Annual Fee: $550

Recommended Credit: Excellent

Our Take: The American Express Platinum is not a cheap credit card. But for those who can handle the expense, it offers great upside.

Perks: Complimentary benefits at hotels and resorts, multiple ways to earn up to 5X points, and credits for air travel and Uber rides.

Who Is It For?: Big spenders, world travelers.

American Express Premier Rewards Gold

Issuer: American Express

Regular APR: N/A

Annual Fee: $195

Recommended Credit: Good to Excellent

Our Take: You can think of the American Express Premier Rewards Gold as the little brother to the Platinum card. It comes with a reduced annual fee and a slightly reduced capacity for earning rewards.

Perks: No foreign transaction fees, ways to earn up to 3X points on certain purchases, hotel and airline credits.

Who Is It For?: Pretty big spenders, occasional world travelers.

Bank of America Cash Rewards

Issuer: Bank of America

Regular APR: Variable

Annual Fee: No annual fee

Recommended Credit: Good to Excellent

Our Take: The Cash Rewards card is a solid option for people who want the minimum fuss and maximum cash back.

Perks: No changing categories or expiration on rewards, up to 3% cash back on specific purchases.

Who Is It For?: Individuals and families with Bank of America accounts.

Bank of America Travel Rewards

Issuer: Bank of America

Regular APR: Variable

Annual Fee: No annual fee

Recommended Credit: Good to Excellent

Our Take: The Bank of America Travel Rewards card gives you flexibility when booking your travel plus plenty of options for earning the points to discount that travel.

Perks: Multiple avenues for earning points, no blackout dates or restrictions on booking travel.

Who Is It For?: Semi-frequent travelers.

Blue Cash Preferred

Issuer: American Express

Regular APR: 14.49% – 25.49% variable

Annual Fee: $95

Recommended Credit: Good to Excellent

Our Take: AmEx’s Blue Cash Preferred card is an excellent card for people using their credit cards on everyday purchases like gas and groceries.

Perks: Accepted by over 1 million merchants in the United States, up to 6% cash back on groceries, and up to 3% cash back on gas.

Who Is It For?: Families.

Capital One Platinum

Issuer: Capital One

Regular APR: 24.99% (variable)

Annual Fee: No annual fee

Recommended Credit: Bad to Fair

Our Take: If you’re able to spend responsibly, we recommend this card to help you dig out of your bad-credit hole.

Perks: Fraud coverage, access to a higher line of credit after 5 on-time monthly payments.

Who Is It For?: People looking to improve their credit scores.

Capital One Quicksilver

Issuer: Capital One

Regular APR: 14.49% – 24.49% variable

Annual Fee: No annual fee

Recommended Credit: Good to Excellent

Our Take: The Capital One Quicksilver card is a solid option for people looking for cash back and reliable rewards.

Perks: Unlimited 1.5% cash back on all purchases, 0% intro APR.

Who Is It For?: Everyday spenders.

Capital One Secured

Issuer: Capital One

Regular APR: 24.99% (variable)

Annual Fee: No annual fee

Recommended Credit: Bad

Our Take: The Capital One Secured card offers a good way for card holders to start building their credit.

Perks: Accepted at millions of locations worldwide, access to a higher line of credit after 5 on-time monthly payments.

Who Is It For?: First-time credit card owners.

Capital One Spark Cash Select

Issuer: Capital One

Regular APR: 14.49% – 22.49% variable

Annual Fee: No annual fee

Recommended Credit: Excellent

Our Take: A sterling credit score is a prerequisite for this card, which offers rewards tailored to business owners.

Perks: Employee cards at no additional cost with rewards from their business spending.

Who Is It For?: Small business owners.

Capital One Venture

Issuer: Capital One

Regular APR: 14.49% – 24.49% variable

Annual Fee: $95

Recommended Credit: Good to Excellent

Our Take: The “venture” in this card’s name speaks to the quality it offers people looking for a card with travel rewards.

Perks: No blackout dates on travel, unlimited options for hotels and airlines, and miles never expire for the life of the account.

Who Is It For?: Any and all travelers.

Chase Ink Business Preferred

Issuer: Chase

Regular APR: 17.24% – 24.24% variable

Annual Fee: $95

Recommended Credit: Excellent

Our Take: This is Chase’s preferred business card offering, and it includes heaps of options for earning points.

Perks: Points never expire, no cost for employee cards.

Who Is It For?: Business owners.

Chase Sapphire Preferred

Issuer: Chase

Regular APR: 17.24% – 24.24% variable

Annual Fee: $95

Recommended Credit: Good to Excellent

Our Take: With options for earning 5,000 bonus points and 50,000 bonus points shortly after activating this card, the Chase Sapphire Preferred sets itself apart in the travel benefits department.

Perks: Multiple options for earning and transferring points on travel, no blackout dates on travel, and named “Best for Maximizers” in the Travel Credit Cards section of MONEY’s Best Credit Cards 2016-2017.

Who Is It For?: High-volume travelers.

Citi Secured

Issuer: Citi

Regular APR: 23.99% (variable)

Annual Fee: No annual fee

Recommended Credit: Bad

Our Take: Citi Secured is a card to help you build good credit. It has many safeguards in place to keep you from spending poorly.

Perks: Monthly reports to the major credit bureaus.

Who Is It For?: College graduates, first-time credit card owners.

Citi Thankyou Preferred

Issuer: Citi

Regular APR: 14.99% – 24.99% (variable)

Annual Fee: No annual fee

Recommended Credit: Excellent

Our Take: This preferred card is aimed at providing rewards on expenses like dining out and entertainment options.

Perks: 0% intro APR, points redeemable for gift cards to popular restaurants, retailers, and department stores.

Who Is It For?: Anyone with disposable income.

Discover It

Issuer: Discover

Regular APR: 13.24% – 24.24% variable

Annual Fee: No annual fee

Recommended Credit: Good to Excellent

Our Take: Discover’s introductory card is designed to help the everyday spender who wants a card they can rely on to give them solid cash-back benefits.

Perks: Free Social Security Number alerts to prevent identity theft, highly rated customer service, and 5% cash back on specific purchases at merchants that rotate each quarter.

Who Is It For?: People with good credit histories looking to graduate to a more beneficial cash-back credit card.

Discover It Miles

Issuer: Discover

Regular APR: 13.24% – 24.24% variable

Annual Fee: No annual fee

Recommended Credit: Good to Excellent

Our Take: Discover’s travel card heaps on the rewards during the first year while maintaining the company’s commitment to low APR and security.

Perks: Matching miles for every mile earned during the first year (e.g. 20,000 miles becomes 40,000 miles), no blackout dates on travel, easy account freezing, and free Social Security Number alerts to prevent identity theft.

Who Is It For?: Wise spenders who want a high-reward travel card.

Discover It Secured

Issuer: Discover

Regular APR: 24.24% (variable)

Annual Fee: No annual fee

Recommended Credit: Bad

Our Take: Discover’s secured card option requires a security deposit, which demonstrates the card’s possibilities for cautiously bettering your credit.

Perks: Dollar-for-dollar match of all the cash back you earn your first year, free Social Security Number alerts to prevent identity theft.

Who Is It For?: Credit rebuilders.

First Progress Platinum Select MasterCard Secured

Issuer: Synovus Bank

Regular APR: 13.99%

Annual Fee: $39

Recommended Credit: Damaged to Fair

Our Take: Synovus’ MasterCard requires no credit history or minimum credit score for approval, which gives it a huge boost in an appeal to people looking to build or rebuild their credit. But it also comes with a surprising amount of benefits for a secured card.

Perks: Security deposit refunded once the balance is paid, good for car rental and hotels, and monthly reports to the major credit bureaus.

Who Is It For?: College students, credit rebuilders.

Golden Delta Skymiles

Issuer: American Express

Regular APR: 17.24% – 26.24% variable

Annual Fee: $95

Recommended Credit: Excellent

Our Take: Some frequent travelers are especially loyal to a particular company. This is the ideal card for those who make Delta their airline of choice.

Perks: 2 miles on every eligible dollar spent with Delta, first checked bag free on Delta flights, and options for earning tens of thousands of bonus miles.

Who Is It For?: Delta flyers.

OpenSky Secured Visa

Issuer: Capital Bank N.A.

Regular APR: 18.89% (variable)

Annual Fee: $35

Recommended Credit: Poor

Our Take: The OpenSky Secured Visa may be the premium option for people aiming to improve their credit.

Perks: Choice of credit line up to $3,000, no credit check or checking account required, fully refundable security deposit, and monthly reports to the major credit bureaus.

Who Is It For?: Big spenders with bad credit.

Explore All Your Options

No matter what you’re looking for in a credit card, we hope you’ve found one above that suits your needs.

There are cards that are better for college students. There are cards that are better for families. There are cards for people with great credit and cards for people with severely damaged credit.

Even the world of travel cards is not simple. There are cards that are best for frequent world travelers. There are also travel rewards cards better suited to only occasional travelers.

It can be exhausting.

But don’t let the options overwhelm you. You owe it to yourself to explore them all before prematurely committing to a card that’s not right for you. The best credit cards 2018 has to offer have implications beyond this year. Once you sign up, you’ll see the effects on your credit score for years to come. We hope those effects are positive.

To help remedy the damage to your credit from years past, check out our advice on personal loans for bad credit and our other credit card reviews.