Best Credit Cards of 2018

Cash Back

Chase Freedom Unlimited®

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Freedom Unlimited®
Editor’s Rating: 4.7
4.7
Apply Now on Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Intro (Purchases)
0% Intro APR on Purchases 15 months
Intro (Transfers)
0% Intro APR on Balance Transfers 15 months
Annual Fee
$0
Apply Now on Chase secure website.
Regular APR
16.99% - 25.74% Variable
Credit Recommended
Good/Excellent
Intro Rewards Bonus
$150 Bonus

Highlights

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
See additional details for Chase Freedom Unlimited®

Capital One® QuicksilverOne® Cash Rewards Credit Card

Credit Recommended:
Average, Fair, Limited
Apply Now on Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Balance Transfer Fee
$0
Foreign Trans Fee
None
Regular APR
26.46% (Variable)
Apply Now on Capital One® secure website.
Annual Fee
$39
Product Type
ConsumerCard
Credit Recommended
Average, Fair, Limited

Highlights

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

Travel Rewards

Capital One® Venture® Rewards Credit Card

Credit Recommended:
Excellent, Good
Apply Now on Capital One® secure website.
Credit Recommended:
Excellent, Good
Balance Transfer Fee
$0
Intro Rewards Bonus
50000 Miles once you spend $3,000 on purchases within 3 months from account opening
Annual Fee
$0 intro for first year; $95 after that
Apply Now on Capital One® secure website.
Foreign Trans Fee
None
Regular APR
14.74% - 24.74% (Variable)
Credit Recommended
Excellent, Good

Highlights

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
See additional details for Capital One® Venture® Rewards Credit Card

Discover it® Miles

Credit Recommended (670-850):
Excellent, Good
Apply Now
Discover it® Miles
Editor’s Rating: 4.4
4.4
Apply Now on Discover Card secure website. See if you may qualify
Credit Recommended (670-850):
Excellent, Good
Intro (Purchases)
0% for 14 months
Intro (Transfers)
10.99% for 14 months
Regular APR
13.99% - 24.99% Variable
Apply Now on Discover Card secure website. See if you may qualify
Annual Fee
$0
Credit Recommended
Excellent, Good
Product Type
Consumer

Highlights

  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
See additional details for Discover it® Miles
Rates & Fees

Fair Credit

First PREMIER® Bank Mastercard® Credit Card

Credit Recommended:
Fair/Poor
Apply Now on First PREMIER® Bank secure website.
Credit Recommended:
Fair/Poor
Intro Rate
N/A
Regular APR
See website*
Annual Fee
See website*
Apply Now on First PREMIER® Bank secure website.
Credit Recommended
Fair/Poor

Highlights

  • Must have checking account to qualify
  • No Security Deposit Required
  • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit)
  • Reports to the major Consumer Reporting Agencies
  • Easy Online Application!

*See online credit card application for details on the terms and conditions.


Total Visa® Card

Credit Recommended:
Fair/Bad Credit
Apply Now on The Bank of Missouri secure website.
Credit Recommended:
Fair/Bad Credit
Regular APR
See Terms*
Annual Fee
See Terms*
Activation Fee
See Terms*
Apply Now on The Bank of Missouri secure website.
Credit Recommended
Fair/Bad Credit

Highlights

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
See additional details for Total Visa® Card
Advertiser Disclosure

Best Credit Cards Of 2018

Thinking about applying for a credit card, but aren’t sure which one to choose? You came to the right place. Looking through all the credit card offers takes time, and you might miss out on a great opportunity if you try to do it without help. That’s why CreditSoup maintains a list of the best credit card offers.

Read these tips to guide your search for the top credit card of 2018.

Finding the Best Credit Card of 2018

As a responsible credit user, you know that you can’t apply for credit every few minutes. When you make a decision, it should be one you are glad to keep for at least a few years. That is why research into the credit card offers available is so important. No one wants to apply for the first card they see, only to realize it has high fees, fewer benefits or a lower spending limit than other cards. You do not even have to take a lot of time to look. CreditSoup does all the research and puts the best offers of the year right here.

Comparing the Best Credit Card Offers

Most credit cards have the same components, but the terms may differ wildly from one card to the next. The ideal time to compare these terms is before you apply. Look for the following factors:

  • Origination fees you’ll need to pay to get the card
  • Discounts on actions such as balance transfers when applying for the card
  • Introductory interest rates and periods
  • The cost of annual fees, if any
  • Interest rate and whether it is fixed or variable
  • Balance transfer rates and fees
  • Rewards programs and how they will likely work for you
  • Signup bonuses, if available, and the initial spending requirements involved

Credit cards can be a tool to help you manage cash flow and earn benefits for items you were going to buy anyway. The top credit card of 2018 will help keep your expenses down and offer the best rewards you can use.

Reasons to Keep Checking Back

If what you see does not seem like the perfect fit, there are plenty of reasons to keep an eye on this page. The market for credit cards is very competitive, especially for people with higher credit scores. Companies sometimes change their rewards programs and terms at times to entice new customers to sign up and react to competitive pressures. A lower introductory rate or a decrease in balance transfer fees might be just what you need.

The best credit card of 2018 is listed right here at CreditSoup. Browse this page to find the credit card offer that is the best fit for your needs.


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Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The card offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all card companies or all card offers available in the marketplace. CreditSoup may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.