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Credit Cards FAQ

Frequently Asked Questions about Credit Cards

    How did NextAdvisor review these credit cards?

    We thoroughly researched all the credit card offers in this category, comparing interest rates, features and any rewards programs they might offer. We also looked at annual fees, late fees and whether you need to pay off your balance each month. After weighing the data we created our credit card ranking.

    After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. We also constantly monitor the providers' sites for any service changes or specials.

    We only include providers on our site that we believe offer a good value proposition. If there is a provider you know of that is not on our site, you can be fairly certain we did not rate that provider highly enough to include in our comparison. If you think we are missing a quality provider or have any other suggestions or comments, please visit our contact us page.

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Top Credit Cards

Capital One® Venture<sup><small>SM</small></sup> Rewards Credit Card
Rating:
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Bottom line: Travel rewards card winner with a value of $2 for every $100 spent, no blackout dates or restrictions
Citi Simplicity® Card
Rating:
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Bottom line: Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card, no late fees
Capital One® Cash Rewards - $100 Cash Back Bonus
Rating:
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Bottom line: Effective 1.5% cash back on all purchases; 0% intro APR on purchases and balance transfers; $100 bonus opportunity
Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR
Rating:
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Bottom line: Excellent combination of cash back rewards and 0% intro APR; $100 bonus opportunity
Citi® Diamond Preferred® Card
Rating:
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Bottom line: Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card; post-intro APR is also low
United MileagePlus® Explorer Card
Rating:
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Bottom line: Good choice for United flyers who want to earn free flights with great perks; flight redemption value of $1.94
Southwest Airlines Rapid Rewards® Plus Card from Chase
Rating:
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Bottom line: Excellent choice for frequent Southwest fliers; strong travel rewards analysis contender; free flight with first purchase
Escape by Discover® Card
Rating:
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Bottom line: Top travel rewards contender; 0% intro APR on balance transfers and purchases; earn up to 25,000 bonus miles in 25 months
Blue Cash Everyday<sup><small>SM</small></sup> Card from American Express
Rating:
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Bottom line: Up to 3% cash back on everyday spending; $100 cash back bonus; unlimited cash back; 0% intro APR
Citi® Platinum Select® Visa®
Rating:
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Bottom line: Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card; post-intro APR is also low
Discover® More Card
Rating:
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Bottom line: 15-month 0% intro APR on purchases & balance transfers, up to 5% cash back.

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Disclosure: NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most of the services we review. Our editors thoroughly research and whenever possible test each service we review and offer their honest opinions about each one. We are independently owned and operated and all opinions expressed on this site are our own.