Best Credit Cards of December 2024
Updated: Dec 20, 2024
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The best credit card is one that's best aligned with your specific needs. NerdWallet's credit card experts have reviewed and rated hundreds of options for the best credit cards of 2025 – from generous rewards and giant sign-up bonuses to long 0% APR periods and credit-building help, so you can find the best fit for your needs.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
The best credit card is one that's best aligned with your specific needs. NerdWallet's credit card experts have reviewed and rated hundreds of options for the best credit cards of 2025 – from generous rewards and giant sign-up bonuses to long 0% APR periods and credit-building help, so you can find the best fit for your needs.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards.
Their work has appeared in The Associated Press, USA Today,
The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America"
and many other national, regional and local media outlets.
Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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The best credit card is one that's best aligned with your specific needs. NerdWallet's credit card experts have reviewed and rated hundreds of options for the best credit cards of 2025 – from generous rewards and giant sign-up bonuses to long 0% APR periods and credit-building help, so you can find the best fit for your needs.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
The best credit card is one that's best aligned with your specific needs. NerdWallet's credit card experts have reviewed and rated hundreds of options for the best credit cards of 2025 – from generous rewards and giant sign-up bonuses to long 0% APR periods and credit-building help, so you can find the best fit for your needs.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Best Credit Cards of 2024: Building Credit
Capital One Quicksilver Secured Cash Rewards Credit Card: Best for Rewards and upgrading
The secured Self Visa® Credit Card: Best for No upfront deposit or credit check
Discover it® Secured Credit Card: Best for Rewards, bonus offer & upgrading
Chase Freedom Rise®: Best for No-annual-fee card with rewards
Show SummaryHide Summary
Best Building Credit Cards of December 2024
| Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Apply now |
|---|---|---|---|---|---|
 Capital One Quicksilver Secured Cash Rewards Credit CardApply Now on Capital One's website on Capital One's website | $0 | N/A | 29.99% Variable APR | Apply Now on Capital One's website on Capital One's website | |
 The secured Self Visa® Credit CardApply Now on Self's website on Self's website | $25 | N/A | 28.49% Variable | Apply Now on Self's website on Self's website | |
 Discover it® Secured Credit CardApply Now on Discover's website, on Discover's website, or call 800-347-0264 | $0 | 10.99% intro APR on Balance Transfers for 6 months | 27.49% Variable APR *Rates as of December 12, 2024. | Apply Now on Discover's website, on Discover's website, or call 800-347-0264 | |
 Chase Freedom Rise®Apply Now on Chase's website on Chase's website | $0 | N/A | 26.24% Variable APR | Apply Now on Chase's website on Chase's website |
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Building Credit
Best Building Credit Cards of 2024
Best for: Rewards and upgrading
Rewards breakdown
Card details
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- View Rates & Fees
NerdWallet's take
Qualify with limited/bad credit
Reports to the three major credit bureaus
Earns rewards
No minimum redemption amount
Rewards don't expire
No annual fee
High APR
No new cardholder bonus offer
No bonus categories
Best for: No upfront deposit or credit check
Card details
- With no credit check or prior credit required, anyone can start building credit. Fund your card with a minimum security deposit of $100 and use it anywhere Visa® is accepted in the U.S. Build credit by making on-time payments and maintaining a low credit utilization ratio. Every on-time payment helps build credit history.
- If you don’t have the $100 security deposit today, consider a Credit Builder Account² starting at $25 a month⁴ . Consistent, on-time payments help you build credit and build savings to secure the secured Self Visa® Credit Card³.
- *The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC.
- ²Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.
- ³Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change.
- ⁴$25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing
NerdWallet's take
No hard credit check required
Relatively low security deposit
Annual fee
Can't get the card immediately
No rewards
Best for: Rewards, bonus offer & upgrading
Rewards breakdown
Card details
- No credit score required to apply. No Annual Fee.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Raise your credit score by 30+ points.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
- View Rates & Fees
NerdWallet's take
No annual fee
Reports to the three major credit bureaus
Qualify with limited/bad credit
Earns rewards
New cardholder bonus offer
Requires minimum deposit
High APR
Best for: No-annual-fee card with rewards
Rewards breakdown
Card details
- Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise®
- Earn Cash Back - With Chase Freedom Rise®, you can start building credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
- Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
- Credit Limit Increase - As a Freedom Rise cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise® Card
- Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey.
- No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise® card.
- Member FDIC
NerdWallet's take
No annual fee
Earns rewards
Reports to the three major credit bureaus
High APR
No bonus categories
A BEGINNER'S GUIDE TO CREDIT CARDS
The idea behind credit cards is simple: When you use a credit card, you are borrowing money to pay for something. Later on, you must repay what your borrowed. If you take time to pay it back (rather than pay it in full when your credit card statement comes), you'll be charged interest. The whole credit cards industry rests on this basic premise.
HOW CREDIT CARDS WORK
A basic credit card transaction works like this:
1. You use your card.
You use your card at the cash register by running it through a card reader (or, if you're online, you enter your card information on the checkout page).
2. The purchase is authorized.
The card reader contacts your credit card company to make sure the card is valid for the purchase amount. Assuming everything is OK, the transaction is authorized.
3. The merchant gets paid.
The bank that issued your credit card sends money for the purchase to the merchant where the transaction took place.
4. You pay.
The transaction shows up on your credit card statement, and you repay the bank for the purchase.
» MORE: What is a credit card?
HOW CREDIT CARD REWARDS WORK
Many of the best credit cards of 2025 give you rewards for your spending. Rewards programs come in two basic flavors (cash back and points/miles), with two basic structures (flat rate and bonus rewards).
Cash back
You can use cash back to directly reduce your balance. In some cases, you can have your cash back deposited in a bank account or sent to you as a check.
Points or miles
Points and miles can be redeemed for travel, gift cards, merchandise or other things. You may also have the option of redeeming points for credit on your statement, just like cash back.
Flat rate
You get the same rewards rate on all spending done with the card, regardless of what you spend money on. You might get 2 points per dollar on all purchases, or 1.5% cash back on everything.
Bonus rewards
You earn a base rate on all spending (typically 1 point per dollar or 1% cash back) and then higher rates in certain categories — 5% cash back at gas stations, for example, or 3 points per dollar spent on travel.
Many credit card users carry multiple cards with bonus rewards in different categories, plus a flat-rate card for purchases that fall outside those categories.
DIFFERENT TYPES OF CREDIT CARDS
Credit card companies in 2025 offer different kinds of cards to meet different consumer needs. Some people put a lot of money on their cards every month and then pay them off immediately; those people benefit from a card that returns a portion of their spending in the form of rewards. Others tend to carry a balance from month to month; they're better served with a card that offers a low ongoing interest rate. Still others are working to improve their credit; issuers have cards designed for those people, too.
Rewards credit cards
These cards "pay you back" for a portion of your spending by giving you cash, points or miles. See our roundup of the best rewards credit cards of 2025 for a range of options for different types of users. Or look into specific types of rewards cards:
Interest-saving credit cards
These cards offer an introductory 0% APR period or a low ongoing interest rate. That can save you hundreds or even thousands of dollars in interest on a major purchase or on debt transferred from high-interest cards. Types of interest-saving cards include:
Credit-building credit cards
The credit cards with the richest rewards, plushest perks, lowest interest rates and longest 0% periods are available only to those with good to excellent credit. If you're still building your credit (or rebuilding it after a misstep), you'll want to hold off on applying for these cards until your score improves. However, banks have designed cards specifically for people working to improve their credit:
These cards "pay you back" for a portion of your spending by giving you cash, points or miles. See our roundup of the best rewards credit cards of 2025 for a range of options for different types of users. Or look into specific types of rewards cards:
These cards offer an introductory 0% APR period or a low ongoing interest rate. That can save you hundreds or even thousands of dollars in interest on a major purchase or on debt transferred from high-interest cards. Types of interest-saving cards include:
The credit cards with the richest rewards, plushest perks, lowest interest rates and longest 0% periods are available only to those with good to excellent credit. If you're still building your credit (or rebuilding it after a misstep), you'll want to hold off on applying for these cards until your score improves. However, banks have designed cards specifically for people working to improve their credit:
CHOOSING THE BEST CREDIT CARD FOR YOU IN 2025
If you're a beginner to credit cards, see our step-by-step guide to choosing a credit card. It starts by helping you figure out what cards you can qualify for, then walks you through deciding what kind of card best fits your needs. The process in short:
The higher your credit score, the more likely you are to qualify for the best credit cards of 2025. NerdWallet offers free access to credit scores.
COMPARING CREDIT CARD FEATURES
Every credit card delivers value in its own way, through its own unique combination of features. And there are trade-offs involved. If you want rewards, for example, you'll probably have to accept a higher interest rate. If you want high-value perks, you'll likely pay an annual fee. If you want a low interest rate and no fees, you shouldn't expect much else from the card. In other words, you're unlikely to find a single card that offers a high rewards rate, a long 0% period, a rock-bottom ongoing interest rate, generous perks and no annual fee.
Here are the main points of comparison when looking at credit cards.
Annual fee
Some people are dead-set against paying a fee just for the privilege of carrying a credit card. But paying an annual fee is worth it in certain circumstances. With any annual fee, the math comes down to whether the value you get from the card exceeds the dollar amount you pay. Still determined not to pay? See our best credit cards with no annual fee of 2025.
Other fees
Depending on what you plan to do with the card, you'll want to take these other fees into account:
Balance transfer fee. See our best credit cards with no balance transfer fee of 2025.
Foreign transaction fee. See our best credit cards with no foreign transaction fee of 2025.
Cash advance fee. Using your credit card to get cash is expensive.
Late fees and returned-payment fees. These fees can be steep, but they are avoidable.
Introductory interest rate
Credit card companies drum up business by offering people with good credit a low introductory interest rate.
Ongoing interest rate
The ongoing rate is what you pay after any introductory rate expires. Some cards charge a single rate for all cardholders; others allow for a range of rates depending on your creditworthiness. In general, the better your credit, the more likely you are to qualify for a low rate. That said, if you pay your balance in full every month, your interest rate doesn't actually matter because you're never charged interest.
Rewards
Cash-back cards refund a certain percentage of the purchase price. Other cards give you a certain number of points or miles per dollar spent. Every card sets its own rewards structure, so apples-to-apples comparisons can be difficult. But when comparing rewards programs, think in terms of:
Earn rate. What do you get for every dollar spent?
Redemption value. How much do you get for your rewards when it comes time to use them?
Redemption options. How much flexibility do you have in using your rewards?
Sign-up bonus
The sign-up bonus or welcome offer is a sum of cash (say, $150 or $200) or a batch of points or miles (say, 40,000 points or 50,000 miles) that you can earn by spending a certain amount of money in your first few months with a card. The purpose is to get you in the habit of using the card. The bonuses on many travel cards are often big enough to cover the card's annual fee for the first few years. See our best credit card sign-up bonuses of 2025.
Perks
Unlike rewards, which are what you receive for using a credit card, perks are benefits you get just for carrying a card. With some cards, particularly travel credit cards, it may be the perks that provide the bulk of the value. Premium credit cards, which have annual fees of $450 and up, tend to offer the cushiest perks. Airline credit cards and hotel credit cards can easily pay for their annual fee with their perks. A full list of potential perks would be too long to include here, but common examples include:
Airline/airport benefits. Lounge access. Free checked bags. Priority boarding. Elite status.
Hotel benefits. Free nights. Automatic room upgrades. Early check-in/late check-out. Free amenities. Elite status.
Statement credits. Automatic credit for such things as travel expenses, purchases from selected merchants or the application fee for trusted traveler programs such as TSA PreCheck and Global Entry.
Rental car coverage. Supplemental coverage on top of your own auto insurance policy, or even primary coverage in place of your own policy. Learn about credit card rental coverage and see our best cards for rental car coverage.
Cell phone insurance. Coverage in case of loss or damage. You usually have to pay for your service with your card to qualify. See our best cards for cell phone insurance.
Credit tracking and security. Free credit score. Credit monitoring services. Ability to "lock" your card.
Credit-building help
When you're looking to build or restore credit, several features are more important for you than for people who already have good credit.
Reporting to credit bureaus. If you're using your card responsibly, you want your credit score to reflect that. Make sure that your card reports payment activity to all three credit bureaus, the companies that assemble credit reports.
Deposit requirements. If you're getting a secured credit card, you'll need money for a security deposit. Minimum deposits are usually in the $200 to $300 range.
Upgrade opportunities. As your credit improves, it's nice to be able to upgrade your account to a better card.
Incentives for responsible behavior. Some cards might boost your rewards rate if you pay on time, or give you access to a higher credit line.
Some people are dead-set against paying a fee just for the privilege of carrying a credit card. But paying an annual fee is worth it in certain circumstances. With any annual fee, the math comes down to whether the value you get from the card exceeds the dollar amount you pay. Still determined not to pay? See our best credit cards with no annual fee of 2025.
Other fees
Depending on what you plan to do with the card, you'll want to take these other fees into account:
Balance transfer fee. See our best credit cards with no balance transfer fee of 2025.
Foreign transaction fee. See our best credit cards with no foreign transaction fee of 2025.
Cash advance fee. Using your credit card to get cash is expensive.
Late fees and returned-payment fees. These fees can be steep, but they are avoidable.
Credit card companies drum up business by offering people with good credit a low introductory interest rate.
The ongoing rate is what you pay after any introductory rate expires. Some cards charge a single rate for all cardholders; others allow for a range of rates depending on your creditworthiness. In general, the better your credit, the more likely you are to qualify for a low rate. That said, if you pay your balance in full every month, your interest rate doesn't actually matter because you're never charged interest.
Cash-back cards refund a certain percentage of the purchase price. Other cards give you a certain number of points or miles per dollar spent. Every card sets its own rewards structure, so apples-to-apples comparisons can be difficult. But when comparing rewards programs, think in terms of:
Earn rate. What do you get for every dollar spent?
Redemption value. How much do you get for your rewards when it comes time to use them?
Redemption options. How much flexibility do you have in using your rewards?
The sign-up bonus or welcome offer is a sum of cash (say, $150 or $200) or a batch of points or miles (say, 40,000 points or 50,000 miles) that you can earn by spending a certain amount of money in your first few months with a card. The purpose is to get you in the habit of using the card. The bonuses on many travel cards are often big enough to cover the card's annual fee for the first few years. See our best credit card sign-up bonuses of 2025.
Unlike rewards, which are what you receive for using a credit card, perks are benefits you get just for carrying a card. With some cards, particularly travel credit cards, it may be the perks that provide the bulk of the value. Premium credit cards, which have annual fees of $450 and up, tend to offer the cushiest perks. Airline credit cards and hotel credit cards can easily pay for their annual fee with their perks. A full list of potential perks would be too long to include here, but common examples include:
Airline/airport benefits. Lounge access. Free checked bags. Priority boarding. Elite status.
Hotel benefits. Free nights. Automatic room upgrades. Early check-in/late check-out. Free amenities. Elite status.
Statement credits. Automatic credit for such things as travel expenses, purchases from selected merchants or the application fee for trusted traveler programs such as TSA PreCheck and Global Entry.
Rental car coverage. Supplemental coverage on top of your own auto insurance policy, or even primary coverage in place of your own policy. Learn about credit card rental coverage and see our best cards for rental car coverage.
Cell phone insurance. Coverage in case of loss or damage. You usually have to pay for your service with your card to qualify. See our best cards for cell phone insurance.
Credit tracking and security. Free credit score. Credit monitoring services. Ability to "lock" your card.
When you're looking to build or restore credit, several features are more important for you than for people who already have good credit.
Reporting to credit bureaus. If you're using your card responsibly, you want your credit score to reflect that. Make sure that your card reports payment activity to all three credit bureaus, the companies that assemble credit reports.
Deposit requirements. If you're getting a secured credit card, you'll need money for a security deposit. Minimum deposits are usually in the $200 to $300 range.
Upgrade opportunities. As your credit improves, it's nice to be able to upgrade your account to a better card.
Incentives for responsible behavior. Some cards might boost your rewards rate if you pay on time, or give you access to a higher credit line.
HOW MANY CREDIT CARDS SHOULD YOU HAVE?
Just as there is no single best credit card for everyone, there is no perfect number of credit cards to have. It depends on your needs and how much effort you want to put into managing your credit cards.
There's no limit to how many cards you can have. Each lender evaluates your credit on its own term, but there's no hard limit where you have "too many cards."
You don't need to have multiple cards to maintain good credit score. Credit scoring formulas tend to reward you for having different types of accounts — credit cards, mortgages, loans, etc. — but it's not necessary to have multiple accounts of each type. One credit card, responsibly managed, is enough.
ADVANTAGES OF CARRYING MULTIPLE CARDS
One card may pay you a higher rewards rate on groceries. Another may reward you handsomely at restaurants, or on gas purchases, or for spending on travel. Having multiple cards allows you to maximize your total rewards.
Some cards are more widely accepted than others. It’s good to have a backup in situations where one card isn’t accepted. Additionally, if a card is lost, stolen or compromised, you'll have another option while you wait for a replacement.
A key factor in your credit score is your credit utilization, or how much of your available credit you're using. Ideally, you’ll want to keep utilization below 30%. If you have a $500 balance on a card with a $1,000 limit, your utilization is 50%. If you have $500 in balances spread across three cards with limits of $1,000 each, your utilization about is 17%.
RISKS OF CARRYING MULTIPLE CARDS
The more cards you have, the harder it is to remember how much you’ve spent on which card.
Multiple due dates increase the risk of missing a payment, which can trigger a late fee or (if it's late enough) even damage your credit.
METHODOLOGY
NerdWallet's Credit Cards content team selected the best credit cards of 2025 in each category based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of consumers. This page includes selections across multiple categories, and a single card is eligible to be chosen as among the "best" in more than one category. Learn how NerdWallet rates credit cards. Factors in our evaluations include:
For cash back cards
For travel rewards cards
For balance transfer and 0% APR cards
For college student cards
For credit-building cards
For business cards
FREQUENTLY ASKED QUESTIONS
What's the best credit card?
What's the best credit card?No single credit card is the best for everyone. It all depends on how you use credit and how strong your credit is.
A rewards credit card gives you a little something back with each purchase you make — usually cash back or travel points or airline miles. These cards are best for people who can pay their credit card bill in full each month. If you carry a balance from one month to the next, the interest you pay will eat up the value of your rewards.
A zero percent credit card is ideal if you're looking to finance a big purchase or pay down high-interest debt by way of a balance transfer. If you tend to carry a balance month to month, look for a card with low ongoing interest rate.
A credit-building card is designed for people who are just starting out with credit or are trying to bounce back from damaged credit. Rewards cards and zero-percent cards are available mostly to people with good to excellent credit; for those who aren't there yet, there are credit-building cards. There are options for bad credit, for fair or average credit and for people with no credit history.
What's the easiest credit card to get?
What's the easiest credit card to get?Secured credit cards require you to provide a cash security deposit to open an account. Because that deposit protects the card company from risk, secured cards are much easier to qualify for than other cards. You're not guaranteed approval for a secured card, but the bar is much lower than for regular cards. Store credit cards are also generally easier to qualify for than bank cards.
What's the best credit card company?
What's the best credit card company?Just as there is no single best card for everyone, consumers have widely different opinions about the best (and worst) credit card issuers. One person could get the runaround from customer service rep and rate a bank zero stars as a result, while another has nothing but positive experiences and gives it five stars across the board. Still, some trends emerge in customer satisfaction surveys.
J.D. Power conducts an annual study of satisfaction among major national and regional credit card issuers. It regularly rates Discover and American Express at the top among mass-market issuers. In the most recent study, USAA and Navy Federal Credit Union had the highest ratings of all, but keep in mind that only people affiliated with the military are eligible for USAA or Navy Federal products.
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