Best credit cards for 2018Updated: July 26, 2018

As a new year rolls around, you’re probably starting to evaluate your personal and financial goals. Although credit cards may be the last thing on your mind this time of the year, it’s actually the perfect time to get a new credit card. That’s because in 2018 card issuers are offering incredibly impressive bonuses, rewards and perks — like an 18-month 0% intro APR, an intro bonus worth $500 in travel, cash back rewards on all your purchases and more! So while your current credit card may have been great for 2017, kicking off the new year with one of best credit cards for 2018 detailed below is a smart move that could put some extra cash in your pocket, and give you a little breathing room to pay off any purchases and balance transfers.

Best balance transfer card: The Amex EveryDay Credit Card from American Express

best credit cards for 2018Balance transfers are a breeze with the The Amex EveryDay Credit Card from American Express (a NextAdvisor advertiser) because the card not only offers a 15-month 0% intro APR on balance transfers requested within the first 60 days, but it also has a $0 intro balance transfer fee during the same 60-day period. On top of that, the 15-month 0% intro APR also extends to purchases, which means you’ll pay no interest for over a year, and the card has $0 annual fee. As if that isn’t enough, The Amex EveryDay Credit Card from American Express earns ongoing rewards, which means it’s likely a card you’ll want to keep in your wallet long after the 0% intro APR expires. Cardholders who spend $1,000 on purchases in the first 3 months will earn a 10,000-point bonus, which is worth $100 in travel through American Express Travel! In terms of ongoing rewards, you’ll earn 2 points per $1 spent at U.S. supermarkets (up to $6,000/year in purchases, then it’s 1 point per $1) and 1 point per $1 spent on all other purchases. Additionally, when you use your card to make 20 or more purchases in a billing cycle, you’ll get 20% back on those purchases! The Amex EveryDay Credit Card from American Express is available to those with good to excellent credit (usually considered a credit score of 700 or higher), and it offers a number of American Express cardholder perks, like travel accident insurance and roadside assistance. Overall, The Amex EveryDay Credit Card from American Express offers the perfect combination of balance transfer benefits and a rewards perks for anyone wanting a card that they can use for years to come.

Best low APR card: Wells Fargo Platinum Visa Card

best credit cards for 2018Whether you plan to make a purchase or complete a balance transfer, Wells Fargo Platinum Visa Card is for you. This card offers a nice 18-month 0% intro APR on purchases and balance transfers! You will have to pay an intro balance transfer fee of 3% for the first 18 months (then it’s 5%), but this one-time fee is likely worth paying if you have a high interest rate on your current credit card. Other perks of the card, which is available to those with good to excellent credit, include no annual fee and free access to your FICO credit scores. What’s more, cardholders who use their Well Fargo Platinum Visa Card to pay their monthly cell phone bill will receive up to $600 protection on their phones against covered damage or theft. There’s a $25 deductible per claim and a maximum of 2 claims per year, but overall, this is great coverage that’s easy to get — just pay your cell phone bill with the card.

Best cash back card: Wells Fargo Cash Wise Visa Card

best credit cards for 2018Those who want a cash back card that earns rewards on any and every purchase they make will be pleased with the Wells Fargo Cash Wise Visa Card. That’s because this card earns unlimited 1.5% cash back on all purchases, which means you don’t have to worry about rotating categories or enrolling to earn your rewards. On top of that, you can earn a $200 statement credit when you spend $1,000 on purchases in the first 3 months of account opening! The Well Fargo Cash Wise Visa Card also offers a 12-month 0% intro APR on purchases and balance transfers (with an intro balance transfer fee of 3% for 12 months, then it’s 5%), giving you some time to pay off any big (or small) purchase or balance transfer you plan to make. If you use a mobile wallet, like Apple Pay or Google Pay, we have even more good news for you, as you’ll earn 1.8% cash back on mobile wallet purchases during the first 12 months of membership. As if that isn’t enough, cardholders get up to $600 mobile phone protection against covered damage or theft when they pay their cell phone bill with their Wells Fargo Cash Wise Visa Card. There is a $25 deductible per claim (maximum of 2 per year), but this one-time fee is likely less expensive than your cell phone provider’s insurance or deductible. The card also has no annual fee, and it’s available to those with good to excellent credit.

Best travel card: Capital One Venture Rewards Credit Card

best credit cards for 2018The Capital One Venture Rewards Credit Card is best for those bit by the travel bug. That’s because it holds the No. 1 spot in our Travel Rewards Credit Card Analysis with an average flight and hotel redemption value of $2.40 per $100 spent — that’s the highest value we’ve seen! In terms of ongoing rewards, the card earns unlimited 10X miles on hotel bookings made at Hotels.com/Venture and unlimited 2 miles per $1 spent on all other purchases, giving you a lot of earning potential. Next, when you spend $3,000 on purchases in the first 3 months of account opening, you’ll get 50,000 bonus miles — that’s worth $500 in travel. You can redeem your earned miles for travel by booking through Capital One Rewards Center, or booking travel however you want with the card, then redeeming your miles for statement credit to cover that travel purchase. Miles can also be redeemed for merchandise, gift cards and more, but your miles hold the most value when redeemed for travel. On top of paying no foreign transaction fees, you’ll get a $0 intro annual fee for the first year (the fee is $95 after that). The Capital One Venture Rewards Credit Card also comes with a number of Visa Signature benefits, including 24/7 access to complimentary concierge services, auto rental collision damage coverage and so much more. The card is also available to those with good to excellent credit (usually considered a credit score of 700 or higher).

Best for average credit: Discover it Cash Back

best credit cards for 2018Those with average to excellent credit (usually considered a credit score of 670 or higher) will want to consider the Discover it Cash Back card, which is another top-notch cash back credit card with a unique intro bonus opportunity. You’ll earn 5% back on rotating categories each quarter you activate (up to the quarterly maximum, currently $1,500, in combined purchases, then it’s 1% back) and 1% on all other purchases. Activating the 5% rewards every quarter might seem like a pain, but Discover makes it easy with automated alerts, plus rotating categories give you the opportunity to earn cash back on a number of purchases. For example, 2018’s categories include gas stations and wholesale clubs from January through March 2018, grocery stores from April through June 2018, restaurants from July through September 2018 as well as Amazon.com and wholesale clubs from October through December 2018. On top of that, Discover will match all of the cash back you’ve earned at the end of your first year as a cardholder — meaning if you earn $600 back in the first year, Discover will match that $600 and give you a total of $1,200 back! The Discover it Cash Back card has a 14-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee) — that’s a good length for those looking to make a large purchase or complete a balance transfer. Cardholders will also get a number of added perks, including free identity theft alerts and special offers from hundreds of different merchants, and pay no annual fee or foreign transaction fees, a perk that’s ideal for world travelers.

Best for rebuilding credit: Discover it Secured

best credit cards for 2018Just because you have bad or limited credit doesn’t mean you can’t get a credit card. The Discover it Secured card makes building credit a reality since it reports your payments to all 3 credit bureaus — most credit cards only report to one or two of the credit bureaus. Since it’s a secured credit card, Discover it Secured card requires a deposit of at least $200 to establish your line of credit. The deposit will be used in the event that you miss or default on your payments. Discover will automatically begin reviewing your account starting at 8 months to see if you can be transitioned into an unsecured line of credit, meaning you’ll get the security deposit back. The Discover it Secured card also offers a unique perk for a secured card — cardholders can earn cash back on their purchases! You’ll earn 2% cash back at restaurants and gas stations (up to the quarterly maximum, currently $1,000, in combined purchases, then it’s 1% on all purchases) and 1% on all other purchases. Discover will match all of the cash back you’ve earned at the end of your first year as a cardholder — for example, it can turn that $200 back you earn in the first year into $400 back! Rounding out the Discover it Secured card are a the same added perks as the previously mentioned Discover it Cash Back card and no annual fee.

Best business card: Ink Business Cash Credit Card

best credit cards for 2018Business owners can earn some serious cash with the Ink Business Cash Credit Card. Kicking things off is a $300 cash bonus after spending $3,000 on purchases in the first 3 months from account opening. Next, you’ll earn 5% cash back at office supply stores and on cellular phone, landline, Internet and cable TV services (up to $25,000/year in combined purchases, then it’s 1% back), 2% cash back at gas stations and restaurants (up to $25,000/year in combined purchases, then it’s 1% back) and 1% on all other purchases. Cardholders will also pay no annual fee and get free employee cards. Additionally, the card has a 12-month 0% intro APR on purchases and balance transfers (with a $5 or 5% balance transfer fee, whichever is greater), which is great for businesses wanting to make a large purchase or ones just getting off their feet. Something to note about the Ink Business Cash Credit Card is it’s only available to those with excellent credit. If you have less-than-perfect credit (good to excellent credit), you’ll want to look into the Capital One Spark Cash for Business, which offers a $500 intro bonus to cardholders who spend $4,500 on purchases within the first 3 months and earns 2% cash back on all purchases. It should be noted that the Capital One Spark Cash for Business card has a $95 annual fee, which is waived for the first year.

Best student card: Discover it Student Cash Back

best credit cards for 2018College is the perfect time for young adults to build credit because it could set them up for success in their post-college life, and the Discover it Student Cash Back card does exactly that. Cardholders not only earn cash back on a number of purchases, but they also get access to tools that help them learn about credit, including free access to their FICO credit score. In terms of rewards, students earn 5% cash back on rotating categories each quarter they activate (up to the quarterly maximum, then it’s 1% back) and 1% on all other purchases. Similar to the other Discover cash back cards in this post, the Discover it Student Cash Back card includes the Cashback Match bonus, which matches all of the cash back you’ve earned at the end of your first year as a cardholder. Students with a GPA of 3.0 or higher will also get a $20 statement credit each school year (up to 5 years). The Discover it Student Cash Back card also has no annual fee and a 6-month 0% intro APR on purchases, allowing your college student to ease into their first credit card.

Want to learn more about the best credit cards of 2018? Visit our credit card reviews to see how they compare to other cards on the market and fill out an online application.

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.