The right credit card for you

What's the best credit card? That all depends on your needs. Compare cards side by side, read reviews, see our top picks in every category and learn more about rewards, points, interest rates and how to apply — all on NerdWallet.

Read our reviews

BankAmericard Review: A Nice Breather From Credit Card Interest
You won't get ongoing rewards or perks, but it's a decent option for paying down debt or financing a large purchase. Plus, there's a sign-up bonus.

Capital One Venture Review: Easy Earnings, Effortless Redemptions
Earn 2 miles per dollar spent on everything. Redeem miles (at 1 cent apiece) for credit on your statement against any travel purchase, with none of the restrictions of airline cards.

Wells Fargo Reflect Card Review: An Extended Break From Interest
The card offers a competitive 0% intro APR promotion on balance transfers and purchases.

American Express Blue Cash Preferred Review: Perhaps the Ultimate Family Card
You'll earn 6% back at U.S. supermarkets on up to $6,000 a year in spending, plus 6% back on select U.S. streaming services and 3% back at U.S. gas stations and eligible transit. Terms apply. The catch? A sizable annual fee.

Discover it Balance Transfer Review: A Debt Zapper With Rewards
You expect a balance transfer card to offer a lengthy introductory APR period. But this card also gives you cash back — and a reason to hold on to it long-term.

Upgrade Bitcoin Rewards Card Review: Crypto With a Few Caveats
The card combines features of credit cards and personal loans, and it earns 1.5% back in the form of bitcoin when you make payments on your balance.

From our partners

Wells Fargo Autograph℠ Credit Card
New! Earn a 30,000 bonus point offer - Terms Apply
Wells Fargo Autograph℠ Card
Chase Sapphire Preferred Credit Card
60,000 Bonus points offer - Terms Apply
Chase Sapphire Preferred® Card
American Express Blue Cash Everyday Credit Card
Earn a $200 statement credit - Terms Apply
Blue Cash Everyday® Card from American Express
Citibank Diamond Preferred Credit Card
Our pick for long 0% period for transfers
Citi® Diamond Preferred® Card
Capital One Venture Rewards Credit Card
75k bonus miles offer - Terms Apply
Capital One Venture Rewards Credit Card

The basics

Finding the best credit card is part art, part science.
No single credit card is better than all others in all categories — or for all people. But by understanding your options and asking the right questions, you can find the card that's the best fit for your spending habits and credit situation.
Get started with credit cards by understanding how they work, how you qualify and how to use them wisely.
So your bank tells you that your credit card has a 15% APR. What does that actually mean? How does your bank calculate your interest rate, and how does that…
A balance transfer lets you move debt from one account to another. Why do one? Because moving high-interest debt to a credit card with 0% APR can be a big money-saver.