Best Credit Cards for 2019Updated: Dec. 21, 2018

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 balance transfer card: Citi Simplicity Card

The Citi Simplicity Card – No Late Fees Ever (a NextAdvisor advertiser) is perfect for anyone who wants a super long 0% intro APR on balance transfers. That’s because the card offers a 21-month 0% intro APR on balance transfers! While the card has a 5% balance transfer fee ($5 minimum), which is a bit higher than most of its competitors charging 3%, it’s hard to beat 21 months of no interest. On top of that, cardholders will get a 12-month 0% intro APR on purchases and pay no annual fee, no late fees and no penalty APR.

Best low APR card: Wells Fargo Platinum Visa Card

Those looking for a card that offers an equally long 0% intro APR on purchases and balance transfers will like the Wells Fargo Platinum Visa Card, which offers an 18-month 0% intro APR on purchases and balance transfers (with an intro balance transfer fee of 3% for 120 days, then it’s 5%). The card also offers up to $600 in mobile protection against covered damage and theft when you use your card to pay your monthly cell phone bill (with a $25 deductible per claim and a maximum of 2 claims per year). Plus, cardholders will pay no annual fee.

Best cash back card: Capital One Savor Cash Rewards Credit Card

Want a card with the highest cash back bonus we’ve seen? If so, the Capital One Savor Cash Rewards Credit Card will not disappoint with its $500 cash back bonus that you’ll earn after spending $3,000 on purchases within the first 3 months from account opening. Cardholders also earn an unlimited 4% cash back on dining and entertainment, 2% cash back at grocery stores and 1% cash back on everything else. There are no foreign transaction fees and no annual fee for the first year (after that, it’s $95).

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 travel 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 for average credit: Discover it Cash Back

Discover it Cash Back is available to those with average to excellent credit (usually considered a credit score of 670 or higher). It also offers a 14-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee) — after that, a variable go-to rate applies — and 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. Discover will also match all of the cash back you earn in the first year as a cardholder! Click “Show Details” to learn more.

Best for rebuilding credit: Discover it Secured

Discover it Secured makes rebuilding credit a breeze (with responsible use of the card) because it reports to all three credit bureaus. You secure the account and establish your credit line with a refundable security deposit of $200 to $2,500 (after being approved) and get access to some great rewards, including 2% cash back at gas stations and restaurants (up to the quarterly maximum, currently $1,000, then it’s 1% back), along with 1% cash back on all other purchases. The card also charges no annual fee. Get more information by clicking “Show Details.”

Best business card: Ink Business Cash Credit Card

Business owners will like the Ink Business Cash Credit Card for its 12-month 0% intro APR on purchases and balance transfers (with a 5% balance transfer fee, $5 minimum) and generous cash back rewards (click “Show Details” to learn how you can earn up to 5% cash back). It also comes with no annual fee, free employee cards and financial tools to help business owners stay in touch with their account and their employees’ spending. The Ink Business Cash Credit Card also features a number of added perks, including purchase protection and extended warranty.

Best student card: Discover it Student Cash Back

The Discover it Student Cash Back is perfect for any student looking to ease into credit. That’s because this card not only comes with a 6-month 0% intro APR on purchases (after the 0% intro APR expires, a go-to variable rate applies), but it also 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. The card also has no annual fee and no foreign transaction fees, perfect for students planning to study abroad.

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.