Best Credit Cards of 2018

Let's get right to saving you some time. Our analysts have reviewed the best credit cards for 2018 so you don't have to. Read our in-depth guide below.

Best for: Cash Back

Category icon1.5% cash back on everything
  • Regular APR
    14.74% - 24.74% (Variable)
  • Intro APR
    0% for 15 months
  • Annual Fee
Credit Level
  • 690
  • 850
Excellent and Good Credit
  • Receive unlimited 1.5% cash back on every purchase.
  • Non expiring cash back as long as account is open.

Best for: Travel

Category iconDouble points on travel
  • Regular APR
    17.99% – 24.99% Variable
  • Intro APR
    0% for 12 months from account opening on purchases
  • Annual Fee
Credit Level
  • 690
  • 850
Excellent and Good Credit
  • 2X points for travel purchases and 1 point for every dollar spent on dining.
  • 1X point spent on all other purchases.
  • 25% more value when redeeming car rentals, hotels, cruises and airfare through Chase Ultimate Rewards®.
  • No travel restrictions or blackout dates.

Best for: Low Interest

Category iconLow interest no late/annual fee
  • Regular APR
    15.99% - 25.99% Variable
  • Intro APR
    0% for 12 months from date of account opening.
  • Annual Fee
Credit Level
  • 690
  • 850
Excellent and Good Credit
  • A low interest card that's simple, and secure.
  • Feel protected with EMV Chip Technology, Citi® Identity Theft Solutions and Zero Liability on Unauthorized Charges.
  • Simply say "representative" when you call, for quick personal help.
Learn More

The best credit cards of 2018 offer: travel rewards, cashback and have the lowest balance transfer fees. We analyzed more than 1,100 credit card offers to find the five best credit card offers for 2018. Explore our top picks and apply for the best credit card that suits your needs today.

Our Top Five – The Best Credit Cards of 2018

1. The American Express Blue Cash Preferred credit card

You will want to use this card for everyday purchases.

Sometimes you've got to give a little to get a little—or to get a lot, in the case of the AMEX Blue Cash Preferred card.

That's why we recommend this card even though it carries an annual fee over its no-fee sister card, the AMEX Blue Cash Everyday. The annual fee for the Amex Blue Cash Preferred card is reasonable, which is comparable to other cashback credit cards of this class and a downright bargain in the AMEX world. We rate it at the top because of its big rewards, which absolutely offset the fee.

Get more green at the grocery store.

Fuel up the car and fill up your closet. You'll earn cash back on gas and at certain department stores.

Get rewards for everyday spending.

Indeed, membership has its privileges.

Aside from great spending rewards, this card carries other perks:

Pay down debt faster. Transfer a balance from another card and save on fees.

Protect your cell phone. In the case of damage or theft, you're covered.

If you think your wallet would be upgraded by this card, head over to the American Express website to apply.

2. The Chase Sapphire Preferred credit card

For travel purchases, this is your best bet.

There are lots of cards that offer shiny signup bonuses, but the Chase Sapphire Preferred takes the cake.

Double points on travel and restaurants.

Earn points on everyday spending, and redeem them just as easily. Every dollar you spend is one point closer to a sweet travel reward or cashback bonus.

A traveler's dream!

There is no foreign transaction fee on this one. So, pack this travel credit card with your passport, and shop anywhere in the world. That's not to mention these other jet-setter perks:

Book flights easily. You don't need to be a mathematician to book travel, as your Chase points go head to head with those of most frequent flyer programs.

You're covered if you cancel. We hate to bring this up, but in the event you have to stay home, you're covered.

If the Chase Sapphire Preferred card sounds like a worthy travel companion, head over to the Chase website to apply.

3. The Discover it credit card

Are you looking for extensive cashback rewards? You found them.

This card had us at hello thanks to its incredible signup rewards program bonus: cashback rewards matching for a specified period of time.

Depending on what you use this cash rewards card for, that could add up to some serious change. And Discover gives you plenty of reasons to stick around with this card long after.

Save on fees. With no annual fee, there's no doubt this card is "it" for you. You'll also get a one-time reprieve on a late payment. (Your credit score and APR can breathe a sigh of relief!)

About those "other reasons to stick around."

If you're a traveler this cash rewards card will let you "Discover" more of the world. With no foreign transaction fees, you'll see more and spend less! And then some:

Redeem points instantly at You can pay with your cashback points upon checking out at

Check your credit frequently. Discover updates your credit score with each monthly statement.

One drawback to this card is that Discover is not always accepted by merchants. Still, it makes a great companion card to your more universally-accepted Mastercard or Visa.

If this sounds like a good match for your spending habits, head over to the Discover website to apply.

4. The Citi Simplicity credit card

In need of a balance transfer? Let Citi Simplicity help you.

Even credit card companies know they can be a bit ridiculous when it comes to interest rates and APR. But the Citi Simplicity Card offers a major opportunity for debt holders.

More reasons to keep it simple with your credit

As the name suggests, there's nothing complex about this card—but there are plenty of other perks that make this card a winner.

Get the best price. With the Citi Rewind feature, there's no buyer's remorse.

Stay protected from theft. Credit card fraud is very much a thing, but Citi has your back with Citi Identity Theft Solutions.

If this sounds like a good deal to you, simply head over to the Citi website to apply.

5. The Capital One Secured Mastercard

If it's time to rebuild credit then it's time to get the Capital One Secured Mastercard

A not-so-stellar credit score doesn't mean you should be locked out of the credit card universe.

For your companion on the road back to good credit, we recommend the Capital One Secured Mastercard. It's easy to use, and you'll see an improvement in your credit score and spending habits soon.

Open the secured card with a security deposit. Depending on your credit score, you'll need to make a deposit to access your initial credit line. Need more? Just deposit more cash.

Pay on time and get more credit. Send in your first few monthly payments by the due date, and you'll get your credit line increased without having to lay out more cash.

Spend wisely and improve your credit score

It's smart to curtail spending with a secured credit card. When you improve your financial habits, your credit score also benefits and Capital One lets you in on the progress.

Check your credit score. CreditWise by Capital One gives you unlimited access to your credit score as well as tools that will help you to boost your creditworthiness. Indeed, many happy consumers found this card to be an excellent resource in the quest for a better credit score.

If you're secure in your decision to improve your credit score, go to the Capital One website to apply.

Giving Credit Where It's Due!

So there you have it – the best of the best credit cards for 2018. We think we've got a winning combination of credit cards to cover all spending habits and reward preferences.

To recap:

Streamline your spending with the AMEX Blue Cash Preferred. Sign up for this card if you like to stick with one credit card for most purchases.

Vacation more with the Chase Sapphire Preferred. Apply for this card if you like your travel rewards to be earned AND redeemed easily.

Get more cashback with the Discover It. Snag this card if you want to make the most of your cashback bonus rewards.

Pay down debt with the Citi Simplicity. Keep it simple and get this card if you've got a high interest balance transfer that you want to pay off more quickly.

Rebuild your credit with the Capital One Secured Mastercard. Choose this card if you want to improve your spending habits and boost your credit score.

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