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: 2024-02-26

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

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


100+ Ratings

✔ Unlimited 1% cash back on all other purchases
✔ 0% Intro APR for 15 months.
✔ Earn a $150 Bonus after you spend $500 on purchases in your first 3 months.
✔ No annual fee
✔ Earn 5% cash back on up to $1,500 in combined purchases

100+ Ratings

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


100+ Ratings

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

100+ Ratings

✔ Roadside services & Rental reimbursement
✔ Available nationwide
✔ Safe Driving Bonus Check – For every 6 months of accident-free driving you can earn a check from Allstate!
✔ Drivers that switched to Allstate save over $350 per year.
✔ Allstate has been in business over 80 years.
✔ Adjustable deductibles and limits
✔ Large network of strong financial ratings and local agents.
✔ Wide list of discount options – Including Safe Driver, Prepaid Policy & More

100+ Ratings

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

100+ Ratings

✔ No categories to track and no caps on cash back
✔ No annual fee
✔ 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
✔ 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.

100+ Ratings

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


100+ Ratings

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

continShould 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 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 its 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 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.