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Your Next Credit Card Choice

We provide a thorough review of credit cards issued by major US banks.

Chase bank
Bank of America
Citi
Wells Fargo

Best Credit Cards of May 2024

When it comes to financial decisions, making right choices is critical. It is our goal to help you make informed credit card decisions and save your time for things we value so much in life - family, traveling, entertainment, and etc...

We read about, analyzed in detail and ranked a great deal of credit cards from the US top banks. And we created a list of the most interesting and rewarding offers of the month for you.

Scroll down to learn more about the best credit card offers on the market!

The Best Credit Cards

Bank of America® Unlimited Cash Rewards Secured

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On Bank of America's Secure Website

Bank of America® Unlimited Cash Rewards Secured
4.1

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

29.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

300-669 (Poor/Fair)

Rewards Earn unlimited 1.5% cashback on all purchases. Rewards do not expire.

1.5% Cashback

Welcome Offer N/A

N/A

  • A minimum security deposit of $200 (maximum of $5,000) is required to open this account.
  • Earn unlimited 1.5% cash back on all purchases. Cash rewards do not expire.
  • No annual fee.
  • Foreign transaction fee is 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
  • 29.24% APR on purchases and balance transfers. This APR will vary with the market based on the Prime Rate. A transaction fee is 3% of the amount of each balance transfer.
  • Redeem your rewards as a statement credit or direct deposit into an eligible Bank of America® or Merrill® account.
  • Additional card features and benefits include access to credit education, financial help support, 24-hour fraud protection, $0 liability guarantee, contactless, overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
  • Click "Apply Now" to see the terms and conditions.
Bank of America® Unlimited Cash Rewards Secured Credit Card will help to rebuild your credit while earning unlimited 1.5% cashback rewards on all purchases.

Bank of America® Customized Cash Rewards

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On Bank of America's Secure Website

Bank of America® Customized Cash Rewards
4.1

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

19.24% - 29.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% cashback in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter), and unlimited 1% on all other purchases.

1% - 3% Cashback

Welcome Offer Earn a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.

$200

  • Earn a $200 cash rewards bonus when you spend $1,000 on purchases in the first 90 days of account opening.
  • Earn 3% cashback in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement/furnishings. You can change the choice category once every calendar month.
  • Earn 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter).
  • Plus, unlimited 1% on all other purchases.
  • No annual fee.
  • Foreign transaction fee is 3% of the U.S. dollar amount of each transaction made in a foreign currency or U.S. dollars if the transaction is processed outside the United States. This fee will be in addition to any other applicable fee.
  • 0% intro APR for 15 billing cycles from account opening on purchases and qualifying balance transfers, then your variable APR will be 19.24% - 29.24%. Balance transfers made within 60 days from account opening qualify for the intro rate. A transaction fee is 3% of the amount of each balance transfer.
  • Redeem your rewards as a statement credit or direct deposit into an eligible Bank of America® or Merrill® account.
  • Get more rewards by enrolling in the Preferred Rewards program. Preferred Rewards members earn 25% - 75% more cash back on every purchase. That means you could earn 3.75% to 5.25% cash back on the choice category, 2.50% to $3.50 on grocery and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter), and 1.25% to 1.75% on all other purchases.
  • Purchase benefits include an extended warranty that doubles the time period of the U.S. manufacturer's warranty, up to one additional year on eligible warranties of three years or less, for eligible items purchased with your card.
  • Additional card features and benefits include 24-hour fraud protection, $0 liability guarantee, contactless, overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
  • Click "Apply Now" to see the terms and conditions.
Bank of America® Customized Cash Rewards is a great credit card for flexible cashback. Great additions are a welcome bonus, and 0% APR intro offers on purchases and balance transfers.

Amazon Visa

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On Chase's Secure Website

Amazon Visa
5.0

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 27.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn unlimited 3% cashback at Amazon.com, Amazon Fresh, and Whole Foods Market, 3% on Chase Travel purchases, 2% at restaurants, gas stations, and on local transit and commuting, plus 1% on all other purchases.

1% - 3% Cashback

Welcome Offer Get a $50 Amazon Gift Card instantly upon approval.

$50 Amazon Gift Card

  • Earn a $50 Amazon Gift Card instantly upon approval as a welcome bonus.
  • Earn unlimited 3% cashback at Amazon.com, Amazon Fresh, and Whole Foods Market, 3% on Chase Travel purchases, 2% at restaurants, gas stations, and on local transit and commuting, plus 1% on all other purchases.
  • No annual fee.
  • No foreign transaction fee.
  • 19.49% - 27.49% APR on purchases and balance transfers. This APR will vary with the market based on the Prime Rate. A transaction fee is either $5 or 4% of the amount of each balance transfer, whichever is greater.
  • Interest-free equal monthly payments: Cardmembers can choose 3% cashback or take advantage of 0% intro APR for 6-12 months on purchases $50 or more.
  • Redeem your points for cashback, gift cards, travel, or purchases at Amazon.com. When you earn daily rewards, the points post and can be redeemed at Amazon.com or Chase as soon as the next day.
  • With Chase Offers, you can easily access great deals in the Chase Mobile app and at chase.com. No coupons, codes, or vouchers to remember, and no registration is required. Just choose an offer, add it to your card, and then use it to pay in stores, online, or through mobile apps and wallets.
  • Add free authorized users and maximize your reward-earning potential while sharing your credit line with friends or family. It’s free for you, and they’ll get their card to use while you earn rewards on their purchases.
  • Extended Warranty Protection: feel more confident about your purchase with additional 12 months on your warranty.
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
  • Travel benefits include Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Lost Luggage Reimbursement, Roadside Dispatch®, Travel Accident Insurance, and Travel and Emergency Assistance Services.
  • Visa Signature® Experiences include Luxury Hotel Collection and Concierge Services.
  • Additional card features and benefits include Digital Wallet, fraud protection, zero liability protection, 24/7 customer service, automatic accounts alerts, Chase Credit Journey, enhanced security, and contactless.
  • Click "Apply Now" to see the terms and conditions.
If you are an Amazon shopper and buy groceries at Whole Foods Market but at the same time don't have an Amazon Prime membership, this card might be a good option for you. In addition to 3% cash back for shopping at Amazon.com and Whole Foods Market, it offers standout travel benefits, an extended warranty, and covers your new purchases against damage or theft. A great addition is a welcome bonus.

Chase Freedom Rise℠

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On Chase's Secure Website

Chase Freedom Rise℠
4.7

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

26.99%

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

New to Credit

Rewards Earn unlimited 1.5% cash back on all other purchases.

1.5% Cashback

Welcome Offer Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account.

$25

  • Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account.
  • Applicants who have never had a credit card can increase their chances of getting approved for Chase Freedom Rise℠ by having a Chase checking account with at least $250 before applying.
  • Credit Limit Increase: your credit will undergo evaluation for a potential increase in just six months of having the Chase Freedom Rise℠ card.
  • Earn unlimited 1.5% cash back on all other purchases. Plus, earn 5% on qualifying Lyft rides through 03/31/2025
  • No annual fee.
  • Foreign transaction fee is 3% of each transaction in U.S. dollars.
  • 26.99% APR on purchases and balance transfers. This APR will vary with the market based on the Prime Rate. A transaction fee is either $5 or 5% of the amount of each balance transfer, whichever is greater.
  • Redeem your rewards as a statement credit or direct deposit into most U.S. checking and savings accounts with no minimum. Redeem for travel, gift cards, or shop with points at Amazon.com and more.
  • Complimentary three months of DashPass/50% Discounted DashPass from DoorDash for nine months when the membership is activated for the first time by 12/31/2024.
  • Complimentary Instacart+ Membership for 3 months when the membership is activated on http://www.instacart.com/chase with an eligible card by 7/31/2024. Plus Statement Credits on Instacart Purchases: Earn up to $10 per calendar quarter in statement credits on qualifying Instacart purchases through 7/31/2024 when you activate a complimentary Chase Instacart+ membership on http://www.instacart.com/chase with your eligible Chase credit card.
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection extends the time period of warranty coverage by one additional year on original eligible warranties of 3 years or less.
  • Travel benefits include Trip Cancellation and Interruption Insurance.
  • Additional card features and benefits include Chase Credit Journey, zero liability protection, fraud alerts, fraud protection, lock/unlock feature, contactless, and digital wallets.
  • Click "Apply Now" to see the terms and conditions.
Chase Freedom Rise℠ is an excellent choice for individuals looking to establish their credit history while earning rewards on everyday purchases. With features like unlimited cashback, valuable purchase protection benefits, and a focus on card simplicity, it provides a solid foundation for building credit and maximizing rewards.

Marriott Bonvoy Boundless®

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On Chase's Secure Website

Marriott Bonvoy Boundless®
4.9

Annual fee:
$95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.49% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 17x total points at Marriott: 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®, plus up to 10x points for being a Marriott Bonvoy® member, and up to 1x points for Silver Elite Status, a benefit of being a Marriott Bonvoy Boundless® cardmember. Earn 3X points for every $1 on the first $6,000 in combined purchases each year on grocery, gas, and dining. Plus, earn 2X points for every $1 you spend on all other purchases.

2x - 17x Points

Welcome Offer Earn 3 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening. Certain hotels have resort fees.

3 Free Night Award (each night valued up to 50,000 Points)

  • Earn 3 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening. Certain hotels have resort fees.
  • Earn up to 17x total points at Marriott: 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®, plus up to 10x points for being a Marriott Bonvoy® member, and up to 1x points for Silver Elite Status, a benefit of being a Marriott Bonvoy Boundless® cardmember.
  • Earn 3X points for every $1 on the first $6,000 in combined purchases each year on grocery, gas, and dining.
  • Plus, earn 2X points for every $1 you spend on all other purchases.
  • Annual fee is $95.
  • No foreign transaction fee.
  • 21.49% - 28.49% APR on purchases and balance transfers. This APR will vary with the market based on the Prime Rate. A transaction fee is either $5 or 5% of the amount of each balance transfer, whichever is greater.
  • Redeem your rewards for free nights at Marriott hotels. You can also redeem points for flights, experiences and more. Points will not expire as long as you make purchases on your credit card every 24 months.
  • Complimentary Free Night Award (valued up to 35,000 points) every year after your account anniversary. Certain hotels have resort fees.
  • Enjoy Elite Status: you receive automatic Silver Elite Status and 15 Elite Night Credits every calendar year.
  • Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • With Chase Offers, you can easily access great deals in the Chase Mobile app and at chase.com. There are no coupons, codes, or vouchers to remember, and no registration is required. Just choose an offer, add it to your card, and then use it to pay in stores, online, or through mobile apps and wallets.
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less.
  • Complimentary DashPass membership from DoorDash for one year when you activate it with a Chase Marriott Bonvoy® card by December 31, 2024.
  • Get complimentary Visa Signature® Concierge Service 24 hours a day.
  • Add an authorized user at no cost.
  • Travel benefits include Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Baggage Delay Insurance, Lost Luggage Reimbursement, and Trip Delay Reimbursement.
  • Additional card features and benefits include 24/7 customer service, digital wallets, zero liability protection, emergency cash advance or a card replacement, lost/stolen card reporting, account alerts, and contactless checkout.
  • Click "Apply Now" to see the terms and conditions.
The Marriott Bonvoy Boundless® card offers a generous welcome bonus, complimentary Silver Elite Status, and enhanced rewards on Marriott, grocery, gas, and dining purchases. It can be a good option for frequent Marriott travelers.

BankAmericard® for Students

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On Bank of America's Secure Website

BankAmericard® for Students
4.4

Annual fee:
$0

Intro APR

Purchases: 0%, 18 billing cycles

Balance Transfers: 0%, 18 billing cycles

Regular APR

16.24% - 26.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

New to Credit

Rewards N/A

N/A

Welcome Offer N/A

N/A

  • No annual fee.
  • Foreign transaction fee is 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
  • 0% intro APR for 18 billing cycles from account opening on purchases and balance transfers made within 60 days from account opening, then your variable APR will be 16.24% - 26.24%. A transaction fee is 3% of the amount of each balance transfer.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Better Money Habits® is an additional card feature that will help you to learn how responsibly handle your credit.
  • Additional card features and benefits include 24-hour fraud protection, $0 liability guarantee, contactless, overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
  • Click "Apply Now" to see the terms and conditions.
A student credit card with the longest 0% APR intro offers for purchases and balance transfers.

Citi® Diamond Preferred®

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On Citi's Secure Website

Citi® Diamond Preferred®
4.2

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 21 months

Regular APR

18.24% - 28.99% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

  • No annual fee.
  • Foreign transaction fee is 3% of each purchase transaction in U.S. dollars.
  • 0% intro APR for 12 months from account opening on qualifying purchases and for 21 months from account opening on balance transfers, then your variable APR will be 18.24% - 28.99%. A transaction fee is either $5 or 5% of the amount of each balance transfer, whichever is greater.
  • Choose your payment due date: Choose to pay your bill on any available due date in the beginning, middle, or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
  • Through Citi Entertainment®, you can purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences, and more.
  • Additional card features and benefits include 24/7 customer service, automatic account alerts, Digital Wallets, contactless pay, the ID theft protection, free access to your FICO score, and $0 liability on unauthorized charges.
  • Click "Apply Now" to see the terms and conditions.
Citi® Diamond Preferred® is the leader of long 0% APR intro offers for balance transfers.

Reflect®

Apply now

On Wells Fargo's Secure Website

Reflect®
4.1

Annual fee:
$0

Intro APR

Purchases: 0%, 21 months

Balance Transfers: 0%, 21 months

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

  • No annual fee.
  • Foreign transaction fee is 3% of each transaction converted to U.S. dollars.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. After the intro APR offer ends, your variable APR will be 18.24%, 24.74%, or 29.99%. Balance transfers made within 120 days from account opening qualify for the intro rate. A transaction fee is 5% of the amount of each balance transfer.
  • Cell phone protection: Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cashback for your purchases. Once activated, you can view the terms of the deal, then shop at that merchant using your eligible card. Cashback credit will be applied to your statement or account.
  • Visa Travel benefits include Roadside Dispatch® and Auto Rental Collision Damage Waiver.
  • Additional card features and benefits include emergency cash disbursement and card replacement, zero liability protection, and Credit Close-up℠.
  • Click "Apply Now" to see the terms and conditions.
Wells Fargo Reflect® card is the leader of long 0% APR intro offers for purchases and balance transfers.

Bilt Mastercard®

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On Wells Fargo's Secure Website

Bilt Mastercard®
4.2

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.49%, 24.49%, or 29.49% variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3x on dining, 2x on travel, 1x on rent payments without the transaction fee (up to 100,000 points each calendar year), and 1x on all other purchases. Plus, enjoy double points on the 1st of each month and earn 6x on dining, 4x on travel, and 2x on all other purchases (except rent) up to 10,000 points per month. Note: You will earn points and double points on the 1st of each month when you make 5 transactions that post each statement period. If you do not make at least 5 transactions that post to your account in a statement period, you'll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App.

1x - 6x Points

Welcome Offer N/A

N/A

  • Earn 3x on dining, 2x on travel, 1x on rent payments without the transaction fee (up to 100,000 points each calendar year), and 1x on all other purchases. Plus, enjoy double points on the 1st of each month and earn 6x on dining, 4x on travel, and 2x on other purchases (except rent) up to 10,000 points per month. Note: You will earn points and also double points on the 1st of each month when you make 5 transactions that post each statement period. If you do not make at least 5 transactions that post to your account in a statement period, you'll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App.
  • No annual fee.
  • No foreign transaction fee.
  • 21.49%, 24.49%, or 29.49% APR on purchases and balance transfers. This APR will vary with the market based on the Prime Rate. A transaction fee is either $5 or 5% of the amount of each balance transfer, whichever is greater.
  • Use your Bilt points to cover your next month rent payment or save your points and put them towards a down payment. You also can redeem your points for travel and fitness, or shop at the Bilt Collection and Amazon.com, and more. Redemption rates may vary.
  • Points earned with the Bilt Mastercard will count towards your Bilt Rewards status.
  • Cell phone protection: Get up to $800 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Purchase Protection covers your new purchases for 90 days against damage or theft up to $10,000 per claim and $50,000 per calendar year per account.
  • Enjoy Lyft Credits through 3/31/24: pay for three eligible Lyft Rides in a calendar month to receive a $5 Lyft credit.
  • Enjoy free Shoprunner membership: get unlimited free 2-day shipping and free returns at over 140 online stores.
  • Mastercard Travel benefits include Trip Cancellation and Interruption Protection, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver, Concierge Service, Travel and Lifestyle Services, Hotel Stay Guarantee, Airport Concierge™, and Golf Travel Packages.
  • Additional card features and benefits include BiltProtect, the ID theft protection program, purchase security, and Global Service™.
  • Click "Apply Now" to see the terms and conditions.
The Bilt Mastercard® is the first and the only credit card to let you pay rent without a transaction fee and offers rewards for paying rent. Great additions are cell phone protection, purchase protection, and travel benefits and perks.


Ranking score and our rating methodology

With so many credit cards available, finding the most suitable one for your needs can be challenging and frustrating. Our team has developed the credit card ranking system to pick the best offers in each card category and help you make an informed decision.

There are multiple factors to consider when comparing credit cards. We routinely analyze credit cards with the most up-to-date details to identify the top picks of each month.

To derive a single ranking score for every credit card, we factor in sign-up bonus, rewards categories, points and cashback earning structure, available redemption options, interest rates, introductory 0% APR period, annual fee, foreign transaction fee, travel and purchase benefits, various credit card's perks such as TSA pass, access to airport lounges, etc. We also account for the card's simplicity and issuing bank reputation.

We reduce the complex set of credit card parameters into a single objective score and rank the best available credit card offers based on it.