Our Top Picks
Best Credit Card Details
How Credit Cards Work
Benefits Of Having A Credit Card
Types Of Credit Cards
How To Choose A Credit Card
Comparing Credit Card Features
How To Apply
Our Methodology
More Information On Credit Cards
Frequently Asked Questions
Our Top Picks
Discover The Finest Credit Cards Of August 2023 Rewards, Premier Offers & Reviews
Written By: Nick Williamson
Edited By: Tracy Stewart
Reviewed By: Jason Steele
July 31, 2023
Why Trust Credit Card Ease ?
Learn More
Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.
Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
Best Credit Card Details
Discover The Finest Credit Cards Of August 2023 Rewards, Premier Offers & Reviews
Written By: Nick Williamson
Edited By: Tracy Stewart
Reviewed By: Jason Steele
July 31, 2023
Why Trust Credit Card Ease ?
Learn More
Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.
Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
How Credit Cards Work
Discover The Finest Credit Cards Of August 2023 Rewards, Premier Offers & Reviews
Written By: Nick Williamson
Edited By: Tracy Stewart
Reviewed By: Jason Steele
July 31, 2023
Why Trust Credit Card Ease ?
Learn More
Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.
Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
Benefits Of Having A Credit Card
Discover The Finest Credit Cards Of August 2023 Rewards, Premier Offers & Reviews
Written By: Nick Williamson
Edited By: Tracy Stewart
Reviewed By: Jason Steele
July 31, 2023
Why Trust Credit Card Ease ?
Learn More
Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.
Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
Types Of Credit Cards
Discover The Finest Credit Cards Of August 2023 Rewards, Premier Offers & Reviews
Written By: Nick Williamson
Edited By: Tracy Stewart
Reviewed By: Jason Steele
July 31, 2023
Why Trust Credit Card Ease ?
Learn More
Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.
Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
How To Choose A Credit Card
Discover The Finest Credit Cards Of August 2023 Rewards, Premier Offers & Reviews
Written By: Nick Williamson
Edited By: Tracy Stewart
Reviewed By: Jason Steele
July 31, 2023
Why Trust Credit Card Ease ?
Learn More
Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.
Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
Comparing Credit Card Features
Discover The Finest Credit Cards Of August 2023 Rewards, Premier Offers & Reviews
Written By: Nick Williamson
Edited By: Tracy Stewart
Reviewed By: Jason Steele
July 31, 2023
Why Trust Credit Card Ease ?
Learn More
Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.
Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
How To Apply
Discover The Finest Credit Cards Of August 2023 Rewards, Premier Offers & Reviews
Written By: Nick Williamson
Edited By: Tracy Stewart
Reviewed By: Jason Steele
July 31, 2023
Why Trust Credit Card Ease ?
Learn More
Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.
Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
Our Methodology
Discover The Finest Credit Cards Of August 2023 Rewards, Premier Offers & Reviews
Written By: Nick Williamson
Edited By: Tracy Stewart
Reviewed By: Jason Steele
July 31, 2023
Why Trust Credit Card Ease ?
Learn More
Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.
Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
More Information On Credit Cards
Discover The Finest Credit Cards Of August 2023 Rewards, Premier Offers & Reviews
Written By: Nick Williamson
Edited By: Tracy Stewart
Reviewed By: Jason Steele
July 31, 2023
Why Trust Credit Card Ease ?
Learn More
Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.
Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
Frequently Asked Questions
Discover The Finest Credit Cards Of August 2023 Rewards, Premier Offers & Reviews
Written By: Nick Williamson
Edited By: Tracy Stewart
Reviewed By: Jason Steele
July 31, 2023
Why Trust Credit Card Ease ?
Learn More
Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.
Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
FILTER CARDS BY CATEGORY
All Categories
Everyday Cash Rewards
Cash Back Match
Unlimited cash back
Dining Rewards
Prime Choice For Flat-Rate Cash Rewards
Wells Fargo Active Cash® Card
Our Rating:
4.7
See Rates & Fees
Rewards Rate
4%
Earn unlimited 4% cash rewards on purchases
Intro offer
$200 Cash Rewards
Annual fee
$0
Regular APR
20.24%, 25.24%, Or 29.99% Variable APR
at wells fargo's secure site
Recommended credit
670-850 (Good To Excellent)
See Your Approval Odds
BEST SECURED CREDIT CARD
Capital One Platinum Secured Credit Card
EDITOR'S PICK
Our Rating:
4.7
See Rates & Fees
Rewards Rate
4%
Earn unlimited 4% cash rewards on purchases
Intro offer
$200 Cash Rewards
Annual fee
$0
Regular APR
20.24%, 25.24%, Or 29.99% Variable APR
at wells fargo's secure site
Recommended credit
670-850 (Good To Excellent)
See Your Approval Odds
Prime Choice For Flat-Rate Cash Rewards
Discover It® Student Cash Back
Our Rating:
4.7
See Rates & Fees
Rewards Rate
4%
Earn unlimited 4% cash rewards on purchases
Intro offer
$200 Cash Rewards
Annual fee
$0
Regular APR
20.24%, 25.24%, Or 29.99% Variable APR
at wells fargo's secure site
Recommended credit
670-850 (Good To Excellent)
See Your Approval Odds
Our Methodology And Research
3,476
Credit Cards
Analyzed
Analyzed
600
Banks
Analyzed
Analyzed
Criteria Used
Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.
Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Comparing The Best Credit Cards
Credit card
Best for
Card highlights
Annual fee
CreditCards.com Rating
Wells Fargo Active Cash® Card
Flat-rate cash rewards
Unlimited 2% cash rewards on purchases
$0
4.1 / 5
Discover it® Cash Back
Category variety
5% cash back on rotating quarterly categories (activation required) on up to $1,500 per quarter, then 1%
Cashback Match™: All rewards earned in the first year are matched
$0
4.6 / 5
Capital One SavorOne Cash Rewards Credit Card
Food and entertainment
Unlimited 3% cash back on dining, entertainment, select streaming services and grocery store purchases (excluding superstores like Walmart® and Target®).
Plus, 10% cash back on Uber and Uber Eats purchases (through Nov. 14, 2024), and 8% cash back on Capital One Entertainment purchases
$0
4.9 / 5
Capital One Venture X Rewards Credit Card
Travel perks
10X miles on hotel and rental car bookings through Capital One Travel, 5X miles on flights through Capital One Travel and 2X miles on all other purchases
Up to $300 in annual statement credits for Capital One Travel purchases, 10,000 account anniversary bonus miles, along with excellent travel insurance and airport lounge access
$395
5 / 5
Editor’s Picks: A Closer Look At Top-Rated Credit Cards
Best For Flat-Rate Cash Rewards: Wells Fargo Active Cash® Card
- Best features: The Active Cash card goes further than other flat-rate credit cards that earn a high 2% cash rewards on purchases, offering a welcome bonus and additional perks like concierge service, hotel benefits at Visa Signature Hotel collection properties worldwide and up to $600 in cellphone protection ($25 deductible applies) when you pay with your eligible Wells Fargo card.
- Biggest drawbacks: A credit card that earns rewards at a higher rate in your biggest spending categories could prove more valuable overall. You also can’t pool rewards across multiple Wells Fargo cards the way you can with other issuers’ cards, limiting your redemption options and value.
- Alternatives: The Chase Freedom Unlimited® has a slightly lower base cash back rewards rate than the Active Cash Card (just 1.5% back on general purchases), but it comes with additional bonus categories that could easily make up the difference if you spend more on travel and dining.
- Bottom line: This is one of the best credit cards for anyone looking for a straightforward way to earn cash rewards on purchases.
Related: Wells Fargo Active Cash vs. Citi Double Cash
Read our full Wells Fargo Active Cash Card review or jump back to this
Wells Fargo Active Cash Card review card’s offer details.
Best For Flat-Rate Cash Rewards: Wells Fargo Active Cash® Card
- Best features: Most cards earn rewards in only a handful of fixed categories, but this card earns a stellar cash back rate on a wide variety of popular rotating categories – often ten or more categories per year. Discover’s rotating rewards program is especially valuable for new cardholders since the issuer matches all the cash back you’ve earned at the end of your first year.
How Do Credit Cards Work?
In simple terms, credit cards are financial products that allow you to borrow money (usually) without collateral. Essentially, this is how credit cards work:
- When you want to make a purchase, you present your credit card or account number to the merchant who will then run the transaction.
- You’ll receive a bill each month, by email or online, for all of your purchase charges and any interest charges.
- If you don’t carry a balance month to month, then you don’t pay interest. Carry a balance, and the interest starts accumulating.
Credit cards are designed for short-term borrowing. If you plan on borrowing long term, a personal loan would be a better fit. A credit card APR is much steeper and may lead to hundreds — or even thousands — of dollars in interest charges if you carry a balance long term, especially if you only pay the minimum each month. There are ways to avoid paying any interest, however, and ways to make credit cards benefit your whole financial picture.
Benefits Of Having A Credit Card
When used responsibly, a credit card gives you substantial advantages, such as the ability to earn rewards, handle emergencies and build credit. The five most useful benefits of using a credit card are:
- Credit building: Using a credit card responsibly can help you build credit since your card issuer will report your transaction activity to the three credit bureaus. This is especially helpful if you have no credit history or wish to improve your credit score.
- Earning rewards: You can earn cash back, points or miles earned on your spending, potentially saving hundreds of dollars on purchases you would have made anyway. Rewards are one of the main appeals of credit cards and can make a big difference in the long run, as long as you pay on time and in full.