Best Credit Cards of 2019

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
17.24 - 25.99% 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 17.24-25.99%. 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® Quicksilver® Cash Rewards Credit Card

Credit Recommended:
Excellent, Good
Apply Now on Capital One® secure website.
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% for 15 months
Intro (Transfers)
0% for 15 months
Annual Fee
$0
Apply Now on Capital One® secure website.
Foreign Trans Fee
None
Regular APR
16.24% - 26.24% (Variable)
Credit Recommended
Excellent, Good

Highlights

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

Travel Rewards

Chase Sapphire Preferred® Card

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Sapphire Preferred® Card
Editor’s Rating: 4.8
4.8
Apply Now on Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Rewards Rate
2X points on travel and dining
Intro Rewards Bonus
60,000 bonus points
Foreign Trans Fee
$0
Apply Now on Chase secure website.
Annual Fee
$95
Regular APR
18.24% - 25.24% Variable
Credit Recommended
Good/Excellent

Highlights

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
See additional details for Chase Sapphire Preferred® Card

Business

Ink Business Preferred℠ Credit Card

Credit Recommended (660-850):
Good/Excellent
Apply Now
Ink Business Preferred℠ Credit Card
Editor’s Rating: 4.4
4.4
Apply Now on Chase secure website. See if you may qualify
Credit Recommended (660-850):
Good/Excellent
Intro Rewards Bonus
Earn 80,000 bonus points
Annual Fee
$95
Regular APR
18.24% - 23.24% Variable
Apply Now on Chase secure website. See if you may qualify
Credit Recommended
Good/Excellent
Intro Rewards Bonus Value Description
See website for Details*
Intro Rewards Bonus Value
See website for Details*

Highlights

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
See additional details for Ink Business Preferred℠ Credit Card

Apply Now
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Editor’s Rating: 4.4
4.4
Apply Now on Bank of America - Credit Cards secure website.
Credit Recommended:
Excellent
Intro (Purchases)
0% for 9 billing cycles
Annual Fee
$0.00
Regular APR
13.49% - 23.49% Variable APR on purchases
Apply Now on Bank of America - Credit Cards secure website.
Intro Rewards Bonus
$200 statement credit when you make at least $500 in net purchases within 60 days of your account opening.
Product Type
Business
Credit Recommended
Excellent

Highlights

  • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening – with no annual fee, no cap on the amount of cash rewards you can earn and they don't expire.
  • 3% cash back on purchases at gas stations and office supply stores (up to $250,000 each calendar year, 1% after that), 2% on purchases at restaurants, and 1% on all other purchases.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
  • Plus, if you're a Business Advantage Relationship Rewards client, you can get up to a 75% rewards bonus on the base earn of every purchase you make. Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%.

Student Card

Journey® Student Rewards from Capital One®

Credit Recommended:
Average, Fair, Limited
Apply Now on Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Annual Fee
$0
Balance Transfer Fee
$0
Foreign Trans Fee
None
Apply Now on Capital One® secure website.
Regular APR
26.96% (Variable)
Product Type
ConsumerCard
Credit Recommended
Average, Fair, Limited

Highlights

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • 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
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app

Fair Credit

Capital One® Platinum Credit Card

Credit Recommended:
Average, Fair, Limited
Apply Now on Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Annual Fee
$0
Balance Transfer Fee
$0
Foreign Trans Fee
None
Apply Now on Capital One® secure website.
Regular APR
26.96% (Variable)
Product Type
ConsumerCard
Credit Recommended
Average, Fair, Limited

Highlights

  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
See additional details for Capital One® Platinum Credit Card

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 credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Program 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 2019

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 2019.

Finding the Best Credit Card of 2019

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 2019 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 2019 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.