Best Credit Cards for 2019Updated: August 7, 2019

Like so many other things in life, credit cards are not one size fits all. Depending on a host of different factors, such as how often you travel or whether you’ve got a big family with an even bigger grocery budget, one credit card might be a better fit than another. A new year is upon us, which means it’s time to not only evaluate your goals, but also your wallet. When was the last time you got a new credit card? Credit card offers are always changing (and getting better), so even if you got a card in 2018, there’s a high chance that a better card exists. That’s because credit card issuers make their offers especially appealing in the new year, as they know consumers are looking for credit cards to help them kick off the new year on the right foot. Looking for the best credit cards for 2019? Keep reading to see what made the cut.

Best cash back card: Bank of America Cash Rewards credit card

With the Bank of America Cash Rewards credit card you get 3% cash back in your category of choice (gas, online shopping, dining, travel, drug stores or home improvements/furnishings), 2% back at grocery stores and wholesale clubs and 1% on everything else ($2,500 a quarter in combined 3% and 2% category purchases). There’s no annual fee and the 15-billing cycle 0% introductory APR offer on both purchases and balance transfers (16.24% – 26.24% variable APR thereafter) is a nice perk. (Balance transfers must be completed within 60 days of account opening and a 3% fee ($10 minimum) will apply.)

Best no-annual-fee cash back card: Discover it Cash Back

Discover it Cash Back earns 5% cash back on rotating categories each quarter you activate (up to the quarterly maximum, currently $1,500, then it’s 1% back) and 1% cash back on all other purchases. On top of that, Discover will match all of the cash back you earn in the first year as a cardholder! The card also has no annual fee and a 14-month 0% intro APR on purchases and balance transfers (then it’s 14.24% to 25.24% variable) — with a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms). Click “Show Details” to learn more.

Best for long intro APR: Citi Simplicity Card

Citi Simplicity Card (a NextAdvisor advertiser) charges no annual fee and offers an industry-leading 0% APR intro offer of 21 months on balance transfers (made within the first 4 months, 5% balance transfer fee, $5 minimum) and 12 months on purchases. You won’t find a longer intro APR period and if you’re looking to transfer balances from high-APR cards, 21 months is a considerable amount of time to pay off your balance interest-free. The Simplicity card doesn’t charge late fees or penalty rates which gives cardholders some peace of mind.

Best for average credit: Capital One QuicksilverOne Cash Rewards Credit Card

Those with average credit will love the Capital One QuicksilverOne Cash Rewards Credit Card. That’s because it’s available to those with average, fair or limited credit (usually considered a credit score of 620 or higher) and offers solid cash back rewards. You’ll earn an unlimited 1.5% cash back on all purchases. And when you make your first 5 monthly payments on time, you’ll get access to a higher credit limit! There is a $39 annual fee, but this card offers a lot more than most of its competitors.

Best flat-rate cash back card: Chase Freedom Unlimited

Chase Freedom Unlimited is the perfect card for anyone who doesn’t want to deal with cash back categories or spending limits. That’s because the card earns 3% cash back on all purchases made in your first year as a cardholder (up to $20,000 spent) — this means you can earn up to $600 back in the first year! After that, you’ll earn an unlimited 1.5% cash back on all purchases. Cardholders also pay no annual fee and receive a 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee, $5 minimum). Click “Show Details” to learn more.

Best travel card: Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card offers a 50,000-mile bonus — worth $500 in travel — to cardholders who spend $3,000 on purchases within the first 3 months from account opening and earns unlimited 2X miles on all purchases. Plus, cardholders will earn 10X miles when they book through Hotels.com/Venture (this offer is valid until Jan. 31, 2020). In addition to charging no foreign transaction fees, this card has no annual fee for the first year (then it’s $95).

Best low APR card: Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card offers a nice 15-month 0% intro APR on both purchases and balance transfers. There is a 3% balance transfer fee (with a $10 minimum), but this one-time fee is worth paying when you consider how long the 0% intro APR period is. On top of that, you’ll earn an unlimited 1.5% cash back on every purchase, every day and receive a $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening. The card also has no annual fee.

Best premium cash back card: Blue Cash Preferred Card from American Express

The Blue Cash Preferred Card from American Express (a NextAdvisor advertiser) is the best of the best when it comes to earning cash back. That’s because the card comes with a $250 bonus that you can earn after spending $1,000 on purchases in the first 3 months and some exceptional rewards. You’ll earn 6% cash back at U.S. supermarkets (up to $6,000/year on purchases, then it’s 1%), 6% cash back on select U.S. streaming services, 3% cash back at U.S. gas stations, 3% cash back on transit and 1% cash back on all other purchases. The $95 annual fee is easily covered by its rewards — click “Show Details” to see for yourself.

Whether you’re looking to complete a balance transfer or hoping to travel in the new year, our list of the best credit cards for 2019 has you covered. Want to learn more about these cards? Visit our credit card reviews to see how they compare to others on the market.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.