Credit Cards FAQ

Frequently Asked Questions about Credit Cards

    How did NextAdvisor review these credit cards?

    We thoroughly researched all the credit cards in each 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. We evaluated all of the data and ranked the cards accordingly. Since credit card offers are constantly changing, we continue to monitor the credit cards we review and update them as needed.

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Top Credit Cards

Citi Simplicity® Card - No Late Fees Ever
Rating:
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Bottom line: 18-month 0% intro APR on both purchases and balance transfers, no late fees but higher than usual 5% balance transfer fee.
Chase Freedom® - $150 Bonus
Rating:
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Bottom line: Excellent combination of cash back rewards and 0% intro APR; $150 Bonus opportunity
Chase Sapphire Preferred® Card
Rating:
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Bottom line: Flexible travel card with unlimited 2x points on travel and dining; 50K bonus points opportunity; 1:1 point transfer to other reward programs
Citi® Double Cash Card
Rating:
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Bottom line: Earn 2% cash back on all purchases, the highest standard cash back rate of all the cards we review; 18-mo 0% intro APR on balance transfers*
Capital One® Venture® Rewards Credit Card
Rating:
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Bottom line: Travel Card Analysis winner with a value of $2.40 per $100 spent and easy rewards redemption, earn 10x miles at Hotels.com/venture, 50,000 intro bonus miles (equivalent to $500 in travel)

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Advertiser Disclosure: NextAdvisor is a consumer information site that offers free reviews and ratings of online services. Many of the companies whose services we review provide us compensation when someone who clicks from our site becomes their customer. This is how we make money to support our site. The results of our analyses, calculators, reviews and ratings are based on objective quantitative and qualitative evaluation of all the cards on our site and are not affected by any compensation NextAdvisor may receive. Compensation may impact which products we review and write about and where those products appear. We do not review all products in a given category. All opinions expressed on this site are our own.