Best Credit Cards for 2026 - Our Top Picks
Below are our top picks for 2026! We selected cards by analyzing bonuses, rewards, perks, and key features. These credit card picks will help you maximize rewards, upgrade travel, and enhance shopping and dining experiences in 2026.
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🔸 Discover it® ⭐4.1 – best for 5% cashback on quarterly rotating categories and Unlimited Cashback Match, plus a 0% intro APR and no annual fee – Read more
🔸 U.S. Bank Shield™ ⭐4.5 – best for a long 0% intro APR on purchases and balance transfers for up to 24 months, plus strong protection benefits – Read more
🔸 Freedom Flex® ⭐4.5 – best for 5% cashback on rotating quarterly bonus categories, 3% on dining and drugstores, plus a sign-up bonus and 0% intro APR – Read more
🔸 Freedom Unlimited® ⭐4.8 – best for unlimited 1.5% cashback on all purchases with no annual fee, plus a sign-up bonus and 0% intro APR – Read more
🔸 Prime Visa ⭐4.8 – best for Amazon Prime members, 5% cashback on Amazon and Whole Foods, plus welcome offer – Read more
🔸 Freedom Rise® ⭐4.7 – best for people with no credit history – Read more
🔸 Savor Rewards ⭐4.7 – best for unlimited 3% cashback on dining, entertainment, streaming, and groceries, plus a sign-up bonus, a 0% intro APR, and no annual or foreign transaction fees – Read more
🔸 Altitude® Connect ⭐5.0 – best for well-rounded travel rewards, up to 5x points on travel, airport lounge access, TSA PreCheck®/Global Entry credit, a 0% intro APR, no annual or foreign transaction fees – Read more
🔸 Venture X Business ⭐4.5 – best for established businesses, up to 10x miles on travel, lounge access, and a generous sign-up bonus – Read more
🔸 Quicksilver ⭐4.8 – best for unlimited 1.5% cashback on every purchase with no annual and foreign transaction fees, plus a sign-up bonus, and a 0% intro APR period – Read more
Discover it®
Why we picked it: It offers 5% cashback on rotating quarterly categories and Discover’s Cashback Match, which doubles all rewards earned in the first year. With no annual fee and a 0% intro APR on purchases and balance transfers for 15 months, this card stands out as a top choice for maximizing cashback on everyday spending like groceries, restaurants, and gas – Read more
✅ Pros:
- 5% cashback on rotating quarterly categories (after activation) – See current categories here.
- Discover Cashback Match, which doubles all cashback earned in the first year
- No annual fee
- 0% intro APR for 15 months on purchases and balance transfers
- Easy cashback redemption
- Strong customer support based in the U.S.
❌ Cons:
- Requires activation each quarter to earn 5% cashback
- 5% cashback is capped at $1,500 in purchases per quarter
- Lower 1% cashback on non-bonus spending
👉 Best for: 5% cashback on quarterly rotating categories and Unlimited Cashback Match, plus a 0% intro APR and no annual fee.
👉 Who this card is for: people who want to maximize cashback and are willing to track and activate rotating 5% bonus categories.
👉 Not ideal for: those who prefer simple, flat-rate rewards without quarterly category activation.
Discover it®
On Discover's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
17.74% - 26.74% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. Plus, earn 1% cashback on all other purchases.
1% - 10% Cashback
Welcome Offer Earn a $100 statement credit when you apply through our site. Plus, enjoy Unlimited Cashback Match: Discover will automatically match all the cashback you earn at the end of your first year, with no limit.
$100 + Unlimited Cashback Match (first year)
U.S. Bank Shield
Why we picked it: It’s one of the best options for people who want long-term 0% intro APR to pay down debt or cover a large purchase over time. It offers an impressive 24 billing cycles of 0% APR on purchases and balance transfers when transfers are made within the first 60 days, giving cardholders real breathing room. While it’s not a rewards-heavy card, you can still earn 4% cashback on travel booked through the U.S. Bank Travel Rewards Center and get a $20 annual statement credit with regular use. With no annual fee and helpful extras like cell phone protection, this card from U.S. Bank is a smart pick for anyone focused on saving on interest rather than chasing points – Read more
✅ Pros:
- No annual fee
- Simplicity
- 24 Months of 0% intro APR on purchases and balance transfers
- 4% Cashback on prepaid travel reservations booked through the Travel Center
- $20 Annual statement credit
- Rental car coverage
- Cell phone protection
- Purchase protection
- Extended warranty protection
❌ Cons:
- Foreign transaction fees
- No sign-up bonus
- Limited rewards earning compared to rewards-focused credit cards
👉 Best for: long 0% intro APR on purchases and balance transfers for up to 24 months, plus strong protection benefits.
👉 Who this card is for: people who want a long 0% intro APR to pay down debt or finance big purchases, with strong protections and no annual fee.
👉 Not ideal for: those who want a rewards-heavy card or high ongoing cashback on everyday spending.
U.S. Bank Shield™
On U.S. Bank's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 24 months
Balance Transfers: 0%, 24 months
Regular APR
16.99% - 27.99% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $100 or more — with no interest, just a small fixed monthly fee. Repayment options of 3, 6, 12, 18, and 24 months are available.
U.S. Bank Extendpay® Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 4% cashback on prepaid air, hotel, and car reservations booked directly through the Travel Center with your card. Plus, earn a $20 credit after making purchases for 11 consecutive months each year.
0% - 4% Cashback
Welcome Offer N/A
N/A
Freedom Flex®
Why we picked it: The card earns 5% cashback on rotating quarterly categories (after activation), 5% on Chase Travel, 3% on dining and drugstores, and 1% on everything else, making it easy to maximize rewards on everyday spending. With a sign-up bonus, a 0% intro APR on purchases and balance transfers for 15 months, cell phone protection, and strong purchase protections, the Chase Freedom Flex® stands out as a top choice for people who want powerful rewards without paying an annual fee – Read more
✅ Pros:
- No annual fee
- 0% intro APR for 15 months on purchases and balance transfers
- Sign-up bonus
- 5% cashback on rotating quarterly categories (after activation) – See current categories here.
- 5% cashback on travel booked through Chase Travel
- 3% cashback on dining and drugstores
- Rental car coverage
- Trip cancellation/interruption insurance
- Cell phone protection
- Purchase protection
- Extended warranty
❌ Cons:
- Foreign transaction fees
- 5% cashback is capped at $1,500 in purchases per quarter
- Requires quarterly activation to earn 5% cashback
- Lower 1% cashback on non-bonus spending
👉 Best for: 5% cashback on rotating quarterly bonus categories, 3% on dining and drugstores, plus a sign-up bonus and 0% intro APR.
👉 Who this card is for: people who want to maximize cashback with rotating categories and bonus rewards on dining, drugstores, and Chase Travel.
👉 Not ideal for: those who prefer simple, flat-rate rewards without tracking or activating quarterly categories.
Freedom Flex®
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.24% - 27.74% 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 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. Plus, earn 5% cashback on travel purchased through Chase Travel, 3% on dining and drugstore purchases, and 1% on all other purchases.
1% - 5% Cashback
Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.
$200
Freedom Unlimited®
Why we picked it: It delivers strong, easy-to-use rewards with no annual fee and very little effort required. You earn unlimited 1.5% cashback on all purchases, plus elevated rewards on dining and drugstores (3% cashback) and travel booked through Chase Travel (5% cashback), making it a great all-around everyday card. Add in a sign-up bonus, a 0% intro APR for 15 months on purchases and balance transfers, and solid purchase protections, and Freedom Unlimited stands out as a top choice for people who want reliable rewards without tracking rotating categories – Read more
✅ Pros:
- No annual fee
- 0% intro APR for 15 months on purchases and balance transfers
- Sign-up bonus for new cardholders
- Unlimited 5% cashback on travel booked through Chase Travel
- Unlimited 3% cashback on dining and drugstores
- Unlimited 1.5% cashback on all purchases
- Rental car coverage
- Trip cancellation/interruption insurance
- Purchase protection
- Extended warranty
❌ Cons:
- Lower flat-rate cashback than some 2% cashback cards
- Foreign transaction fees
- No bonus categories
👉 Best for: unlimited 1.5% cashback on all purchases with no annual fee, plus a sign-up bonus and 0% intro APR.
👉 Who this card is for: people who want simple, reliable cashback with no annual fee, plus bonus rewards on dining, drugstores, and travel booked through Chase Travel.
👉 Not ideal for: those who want higher flat-rate cashback or premium travel perks like lounge access.
Freedom Unlimited®
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.24% - 27.74% 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 5% cashback on travel purchased through Chase Travel℠. Earn 3% cashback on drugstores and dining. Earn 1.5% cashback on all other purchases.
1.5% - 5% Cashback
Welcome Offer Earn a $300 bonus after spending $500 in the first 3 months.
$300
Prime Visa
Why we picked it: It’s one of the best cards for loyal Amazon shoppers who want easy, high-value cashback without complicated rules. Cardholders earn 5% cashback on Amazon and Whole Foods purchases, plus strong rewards on everyday spending, including up to 5% on travel, 2% on dining, gas, and local transit. With no annual fee beyond a Prime membership, no foreign transaction fees, an instant Amazon gift card upon approval, purchase protections, travel benefits, and simple redemption, the Prime Visa delivers consistent value for people who regularly shop with Amazon and want their spending to pay off effortlessly – Read more
✅ Pros:
- No annual fee
- No foreign transaction fees
- Instant Amazon gift card upon approval
- Unlimited 5% cashback on Amazon and Whole Foods
- 2% Cashback on dining, gas, and local transit
- Unlimited 5% cashback on Chase Travel purchases
- Secondary rental car coverage
- Solid travel benefits
- Purchase Protection
- Extended Warranty
- Simple Redemption
❌ Cons:
- Requires an active Prime membership to earn the top 5% rate
👉 Best for: 5% cashback on Amazon and Whole Foods, plus a welcome offer.
👉 Who this card is for: Amazon Prime members who frequently shop on Amazon and at Whole Foods and want high cashback with simple redemption.
👉 Not ideal for: people without a Prime membership or those who don’t shop at Amazon often.
Prime Visa
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
18.74% - 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 5% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. Earn 2% cashback at restaurants, gas stations, and on local transit and commuting. Earn 1% cashback on all other purchases.
1% - 5% Cashback
Welcome Offer Get a $250 Amazon gift card instantly upon approval.
$250 Amazon Gift Card
Freedom Rise®
Why we picked it: Chase Freedom Rise® is an excellent starting point for people with limited to no credit history. It helps you build credit while earning rewards, offering unlimited 1.5% flat-rate cashback on all purchases with a $0 annual fee. Cardholders can also earn a $25 statement credit for setting up AutoPay, get purchase protection against damage or theft on new purchases, and enjoy an extended warranty. Backed by Chase, it’s simple, low-risk way to start building credit and earning rewards at the same time – Read more
✅ Pros:
- Unlimited 1.5% flat-rate cashback on all purchases
- Beginner-friendly, designed for people with little or no credit history
- No annual fee
- Simplicity
- $25 statement credit for setting up AutoPay
- Trip cancellation/interruption insurance
- Purchase Protection
- Extended Warranty on eligible purchases
- Automatic reviews for potential credit line increases and future upgrades
❌ Cons:
- Foreign transaction fees
- No introductory 0% APR
- No bonus categories
- Increased odds of approval for having a Chase checking account with a balance of at least $250
👉 Best for: people with no credit history.
👉 Who this card is for: people with no or limited credit history who want to build credit while earning simple cashback with no annual fee.
👉 Not ideal for: those looking for high rewards rates or premium travel benefits.
Freedom Rise®
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
25.24% 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
New To Credit
Rewards Earn unlimited 1.5% cashback on all your purchases.
1.5% Cashback
Welcome Offer Get a $25 statement credit when you enroll in automatic payments in the first three months.
$25
Savor Rewards
Why we picked it: The Capital One Savor Rewards stands out as one of the best cards for everyday spending on food and entertainment. It offers unlimited 3% cashback on dining, groceries, entertainment, and streaming, making it easy to earn rewards on popular categories. With no foreign transaction fees, easy redemption, a sign-up bonus, and a 0% intro APR for 12 months on purchases and balance transfers, the Savor card delivers consistent value for anyone who wants to earn more on everyday fun and lifestyle spending – Read more
✅ Pros:
- No annual fee
- No foreign transaction fees
- Unlimited 3% cashback on dining, groceries, entertainment, and streaming
- 0% intro APR for 12 months on purchases and balance transfers
- Sign-up bonus
- Easy cashback redemption with flexible options
- Extended warranty
❌ Cons:
- Lower cashback rate on non-bonus spending
- No premium travel benefits
👉 Best for: unlimited 3% cashback on dining, entertainment, streaming, and groceries, plus a sign-up bonus, a 0% intro APR, and no annual or foreign transaction fees.
👉 Who this card is for: people who spend heavily on dining, groceries, entertainment, and streaming and want high everyday cashback with no foreign transaction fees.
👉 Not ideal for: those who want premium travel perks like lounge access or higher rewards outside food and entertainment categories.
Savor Rewards
On Capital One's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 12 months
Regular APR
18.74% - 28.74% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
740-850 (Excellent)
Rewards Earn 3% cashback on grocery stores, dining, entertainment, and select streaming services. Earn 8% cashback on Capital One entertainment purchases and 5% cashback when you book hotels, vacation rentals, and rental cars through Capital One Travel. Plus, 1% cashback on all other purchases.
1% - 8% Cashback
Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.
$200
Altitude® Connect
Why we picked it: It offers strong travel-focused rewards and useful perks with no annual fee. You can earn up to 5X points on travel, 4X points on gas and EV charging, and 2X points on dining, groceries, and streaming, making it easy to rack up rewards across everyday spending. Add in a sign-up bonus, a 0% intro APR for 15 months on purchases and balance transfers, no foreign transaction fees, Priority Pass™ lounge access, a TSA PreCheck or Global Entry credit, and solid travel protections, and this card delivers real value for frequent travelers. It’s a strong option from U.S. Bank for anyone who wants generous travel rewards and flexibility without paying a premium annual fee – Read more
✅ Pros:
- No annual fee
- Up to 5x points on travel
- 4x points on gas and EV charging
- 2X points on dining, groceries, and streaming
- No foreign transaction fees
- Sign-up bonus for new cardholders
- 0% intro APR for 15 months on purchases and balance transfers
- Priority Pass™ airport lounge access
- SmartDelay Airport Lounge Access
- TSA PreCheck® or Global Entry credit
- GigSky Global Mobile Data
- Trip Cancellation & Interruption Insurance
- Trip Delay Reimbursement
❌ Cons:
- Limited lounge access compared to premium travel cards
- Top rewards rates are capped and may not apply to all spending
👉 Best for: well-rounded travel rewards, up to 5x points on travel, airport lounge access, TSA PreCheck®/Global Entry credit, a 0% intro APR, no anual or foreign transaction fees.
👉 Who this card is for: travelers who want strong travel rewards, no foreign transaction fees, and useful travel perks without paying an annual fee.
👉 Not ideal for: those who prefer simple flat-rate rewards or want premium lounge access beyond limited Priority Pass visits.
Altitude® Connect
On U.S. Bank's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
17.49% - 27.49% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $100 or more — with no interest, just a small fixed monthly fee. Repayment options of 3, 6, 12, 18, and 24 months are available.
U.S. Bank Extendpay® Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5x points on prepaid hotels and car rentals booked through the Altitude Rewards Center. Earn 4x points on travel and gas stations/EV charging stations, 2x points on dining, select streaming services, and grocery store purchases, and 1x point on all other eligible purchases.
1x - 5x Points
Welcome Offer Earn 20,000 bonus points after spending $1,000 in the first three months.
20,000 Points
Venture X Business
Why we picked it: It delivers premium travel perks with a simple rewards structure that works well for established businesses. You earn unlimited 2X miles on every purchase and up to 10X miles on travel booked through Capital One Business Travel, plus valuable benefits like airport lounge access, annual travel credits, TSA PreCheck® or Global Entry, and a generous sign-up bonus. For business owners who spend heavily on travel and want luxury perks without complicated bonus categories, this card offers outstanding overall value – Read more
✅ Pros:
- Up to 10x miles on travel booked through Capital One Business Travel.
- Unlimited 2x miles on all purchases.
- Sign-up bonus
- Airport lounge access
- $300 annual travel credit
- 10,000 bonus miles every year starting on your first anniversary
- Global Entry® or TSA PreCheck®
- Employee cards at no additional cost
- No foreign transaction fees
- 1:1 point transfer to travel partners
- Purchase protection
- Extended warranty
- Strong business management tools
❌ Cons:
- Annual fee
- Requires excellent credit
- Must pay balance in full each month, no option to carry a balance
- Limited travel protection benefits
👉 Best for: up to 10x miles on travel, lounge access, and a generous sign-up bonus.
👉 Who this card is for: established businesses that spend heavily on travel and want simple rewards, premium lounge access, and generous travel perks.
👉 Not ideal for: for small or low-spend businesses or anyone who wants to carry a balance, since the card requires paying in full each month and has a high annual fee.
Venture X Business
On Capital One's Secure Website
Annual fee:
$395
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
No APR since the balance is due in full every month
Buy Now, Pay Later N/A
N/A
Credit Score
740-850 (Excellent)
Rewards Earn 10x miles on hotels and rental cars and 5x miles on flights and vacation rentals booked through Capital One Business Travel. Plus, earn 2x miles on all other purchases.
2x - 10x Miles
Welcome Offer Earn 400,000 bonus miles total: Get 200,000 miles after spending $30,000 in the first 3 months, plus an additional 200,000 miles after spending $150,000 in the first 6 months.
400,000 Miles
Quicksilver
Why we picked it: It makes earning cashback simple and predictable. With unlimited 1.5% flat-rate cashback on every purchase, no annual or foreign transaction fees, it’s easy to use without tracking categories or spending limits. Add in a sign-up bonus, flexible redemption, and a 0% intro APR on purchases and balance transfers for 15 months, and Quicksilver stands out as a reliable everyday card for people who want straightforward rewards with minimal effort – Read more
✅ Pros:
- No annual fee
- No foreign transaction fees
- Introductory 0% APR for 15 months on purchases and balance transfer
- Sign-up bonus
- Up to 5% cashback on travel booked through Capital One Travel
- Up to 5% cashback on Entertainment
- Unlimited 1.5% cashback on all purchases
- Extended warranty
❌ Cons:
- No bonus categories
- No premium travel benefits
👉 Best for: unlimited 1.5% cashback on every purchase with no annual or foreign transaction fees, a sign-up bonus, and a 0% intro APR period.
👉 Who this card is for: people who want simple, flat-rate cashback on every purchase with no annual or foreign transaction fees.
👉 Not ideal for: those looking for higher bonus categories or premium travel perks.
Quicksilver
On Capital One's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.74% - 28.74% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
740-850 (Excellent)
Rewards Earn 5% cashback when you book hotels and rental cars through Capital One Travel. Earn 5% cashback on Capital One entertainment purchases through December 31, 2025. Plus, earn 1.5% unlimited cashback on all other purchases.
1.5% - 5% Cashback
Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.
$200
Looking for more?
With so many options available, it is important to do your own research to choose the best credit card for your individual needs. To find the credit card that best suits you, be sure to check our website for:
Best credit cards for Balance Transfer
Best credit cards for Sign-up Bonus
Best credit cards for Students
Best credit cards for Cash Back
Best credit cards for Online Shopping
Best credit cards with No Foreign Transaction Fee
The information about the credit cards has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.