Best Credit Cards of 2019

Is there a best credit card? In reality,  the best credit card for you depends on your goals and lifestyle. There is no one-size-fits-all card;

Credit Experts at CreditCardKarma.com have compiled a list of the best cards in each major category. Explore our top picks f and find the best credit card that fits your need and lifestyle.

These are the best credit cards for 2019. You can find credit cards in every categories in this page. If you are looking for a good card in a specific category, you can also select it from the menu. We are going to update this list every week. Keep following us!

Latest Update: 09.01.2019

Best Rewards Credit Card for 2019

Wells Fargo Propel American Express® Card

30000 Rewards Points as Sign-Up Bonus & 3x-1x Regular Rewards Points

Bonus & Rewards: 30,000 bonus rewards points.3x Rewards Points for car rental, eating out, ordering in, gas, rideshares, transit, flights, hotels, home stays. 1x on all other purchases.

Regular APR: 14.49% – 26.99%

Annual Fee: None

Introductory APR: 0% for 12 Months

Credit Card Center Editor Score : 247

Wells Fargo Propel American Express® Card offers good opportunities to consumers with some good features. 30000 bonus rewards points and 3x rewards points on some purchase categories are making this card quite attractive. You don’t need to pay annually fee for the card. There is also 0% APR for 12 months. It is one of the best credit cards in our rewards category at the moment.

Upsides of the card:

  • Fair APR.
  • 3x rewards points rate at many purchase category.
  • No annual fee.
  • Low balance transfer fee at first 120 days.
  • 0% APR for 12 months

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Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
0% for 12 months

14.49% – 26.99%

1 – 3 points

3x on car rental, eating out, ordering in, gas, rideshares, transit, flights, hotels, home stays purchases.

30000 Rewards points are available as sign-up bonus.

None 3% $10 or 5% 25.99% – 27.99% $5 – 3% (first 120 days)

Regular: 5%

0% APR for first 12 months

Regular: 14.49% – 26.99%

FTF: Foreign Transaction Fee

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Best Credit Card with Sign-Up Bonus for 2019

Wells Fargo Visa Signature

$625 Worth Bonus Rewards Points & 15 Months No APR

Bonus & Rewards: 5x rewards points up to $12500 purchase first 6 months. Regular rewards points 1x.

Regular APR: 14.49%-27.99%

Annual Fee: None

Introductory APR: 0% for 15 Months

Credit Card Center Editor Score : 253

With $625 worth bonus rewards points promotion, Wells Fargo Visa Signature offers the best sign-up bonus in Credit Cards Center. 0% introductory APR for 15 months and no annual fee are other attractive features of the card. Balance transfer fee is also 3% for first 120 days period.

Upsides of the card:

  • $625 worth rewards point bonus.
  • No APR for 15 months.
  • No annual fee.

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Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
0% for 15 months

Regular: 14.49%-27.99%

1 point

5 x rewards points for up to $12,500 on purchases some products. (6 Months)

None 3% $10 or 5% 25.99% – 27.99% $5 – 3% (first 120 days)

Regular: 5%

0% APR for first 15 months

Regular: 14.49% – 27.99%

FTF: Foreign Transaction Fee

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Best Low Interest Credit Card for 2019

Citizens Trust Bank Visa Prestige Elite Credit Card

9.25% APR & No Fees for Cash Advance, Purchase, Balance Transfer!

Bonus & Rewards: None

Regular APR: 9.25%

Annual Fee: None

Introductory APR: None

Credit Card Center Editor Score : 201

 

Citizens Trust Bank Visa Prestige Elite Credit Card is providing one of the lowest interest rates to consumers. Besides you are not going to pay most of regular credit card fees with the card. There is only payment for cash advances and it is $1.5 only.

Upsides of the card:

  • Only $1.5 as cash advance fee.
  • There is not any balance transfer fee.
  • You will not pay foreign transaction fee.
  • All APRs are 9.25% for this card.
  • There is no annual fee.

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Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
9.25% Not Available None None $30 $1.5 9.25% None 9.25%

FTF: Foreign Transaction Fee

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Best Credit Card for Bad Credit for 2019

Armed Forces Bank Credit Builder Secured Visa

No Cash Advance Fee & No Balance Transfer Fee

Bonus & Rewards: None

Regular APR: 22.99%

Annual Fee: $25

Introductory APR: None

Credit Card Center Editor Score : 202

Armed Forces Bank Credit Builder Secured Visa provides good advantages for those who want to rebuild credit and build credit. There is no cash advance fee and no balance transfer fee on the card. The annual fee is also reasonable.

Upsides of the card:

  • $25 annual fee is good.
  • You don’t need to pay fees for cash advance.
  • There is also no fee for balance transfers.
  • 1% foreign transaction fee is not bad.

See Rates

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
22.99% None $25 1% $25 None 22.99% None 22.99%

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Best Cash Back Credit Card for 2019

FNBO Cash Back Visa Card

3% Bonus Cash Back & 2% Regular Cash Back

Bonus & Rewards: 3% cash back for first 6 months. Regular cash back is 2%.

Regular APR: 18.99% – 25.99%

Annual Fee: None

Introductory APR: None

Credit Card Center Editor Score : 154

FNBO Cash Back Visa Card offers good cash back rates to consumers. You earn 3% for first 6 months with the card. 6 months later the regular cash back rate is going to be 2%. Other upside of the card, you will not pay annually for it.

Upsides of the card:

  • 3% cash back for 6 months.
  • No annual fee.
  • 2% regular cash back.

See Rates

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
18.99% – 25.99% 3% Cashback Rewards for first 6 months.

Regular:

2% Cashback.

None 3% $37 $15 or 5% 27.24% $10 or 5% 18.99% – 25.99%

FTF: Foreign Transaction Fee

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Best Zero Interest Credit Card for 2019

SunTrust Bank Cash Rewards Credit Card

0% APR for 15 Months & 5x Bonus Cashback

Bonus & Rewards: 5% Bonus Cash Back. 2% cash back on gas & grocery. 1% cash back on other purchases.

Regular APR: 13.24% – 23.24%

Annual Fee: None

Introductory APR: 15 Months

Credit Card Center Editor Score : 241

Unlike many other cash rewards credit cards, this card offers low interest rates for consumers. No annual fee, no foreign transaction fee, 5% cashback bonus for $6000 worth purchases in 12 months are some attractive features of the card.The card also offers 0% APR on purchases and balances for 15 months.

Upsides of the card:

  • 0% APR for 15 months.
  • 5x cash back for 6 months.
  • 2x cash back on gas and grocery purchase.
  • No annual fee.
  • No foreign transaction fee.
  • Low fees.
  • Low APR.

See Rates

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
0% APR for first 15 Months

Regular: 13.24%–23.24%

2x for gas and grocery purchases.

1x for purchases at all other categories.

Bonus: 5% cash back for first $6000 worth gas and grocery purchases.

None None 4% 26.99% 3% 0% APR for first 15 Months

Regular: 13.24%–23.24%

FTF: Foreign Transaction Fee

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Best Credit Builder Credit Card for 2019

Citizens Trust Bank Visa Privilege

Low APR & No Balance Transfer Fee & No Foreign Transaction Fee

Bonus & Rewards: None

Regular APR: 13.74% – 21.74%

Annual Fee: $30

Introductory APR: None

Credit Card Center Editor Score : 184

Why this card is so good for build credit? There are many good reasons of this. Firstly this card doesn’t ask any extra payment for balance transfer. There is no balance transfer fee at all. This is very rare and unique feature, especially in credit builder credit cards… The other thing which makes this card super is Cash Advance fee. It is only $1.5 regardless how much cash advance you withdraw. There is no foreign transaction fee with the card. Regular APR is very low when it’s compared with other credit builder cards: 13.74% – 21.74%. All these features are very unique for a credit builder card.

Upsides of the card:

  • Very low APR for a credit builder.
  • No foreign transaction fee.
  • $1.5 cash advance fee.
  • No balance transfer fee.

See Rates

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
Regular: 13.74% – 21.74% None $30 None $30 $1.5 13.74% – 21.74% None Regular: 13.74% – 21.74%

FTF: Foreign Transaction Fee

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Best Balance Transfer Credit Card for 2019

Citizens Trust Bank Visa Classic ATL Credit Card

No Balance Transfer Fee & 11.25% Balance Transfer APR

Bonus & Rewards: 1 Rewards Points per $1 purchase.

Regular APR: 11.25%

Annual Fee: None

Introductory APR: None.

Credit Card Center Editor Score : 280

There is no balance transfer fee for this card and balance transfer APR is only 11.25%. You can earn 1 rewards points per $1 which is below average. However there are many other good upsides of the card. You can see it in the list below.

Upsides of the card:

  • Very low APR for cash advance.
  • Low APR for balance transfers and purchase.
  • No annual fee.
  • You will not pay any balance transfer fee.
  • Only $1.5 cash advance fee.
  • No foreign transaction fee.

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Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
Regular: 11.25% 1 Rewards Points N/A None $30 $1.5 11.25% None Regular: 11.25%

FTF: Foreign Transaction Fee

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Best No Annual Fee Credit Cards for 2019

Bank of Hope Rewards Visa Signature

3x Rewards Points to Gas Purchases & No Annual Fee

Bonus & Rewards: 5000 bonus rewards points. 3x on gas purchases. 2x on Travel and Dining. 1x on other purchases.

Regular APR: 14.49%, 18.49% or 22.49%

Annual Fee: None

Introductory APR: 0% for 12 Months

Credit Card Center Editor Score : 214

Despite of disappointing sign-up bonus, Bank of Hope Rewards Visa Signature is providing unlimited rewards points to consumer with good rates. Regular APR is at fair rate. 0% APR for 12 months, no annual fee, no foreign transaction fee, low balance transfer and cash advance fees are upsides of the card.

Upsides of the card:

  • No annual fee.
  • No extra payment for foreign transactions.
  • You can boost rewards points with redeem them for airfare.
  • You will not need to pay APR for first 12 months.
  • Fair regular APR rates.
  • Good for travel and gas purchase.

See Rates

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
0% for first 12 months.

Regular: 14.49%, 18.49% or 22.49%

5000 rewards points bonus for first $1000 purchase.

Regular:

3 Rewards Points to Gas Purchases

2 Rewards Points to Travel and Dining Purchases

1 Rewards Points to all purchases at other categories

25% more redeem value at air travel purchases from PointQuest Rewards.

None None $10 or 4% 23.99% $10 – 3% 0% for first 12 months.

Regular: 14.49%, 18.49% or 22.49%

FTF: Foreign Transaction Fee

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Best Student Credit Card for 2019

Wells Fargo Cash Back College Card

3% Cash Back in 6 Months & 0% APR for 6 Months

Bonus & Rewards: 3% cash back in first 6 months. Regular cash back rate is 1%.

Regular APR: 13.15%-23.15%

Annual Fee: None

Introductory APR: 0% for 6 Months

Credit Card Center Editor Score : 144

Regular APR of the card at the fair rate. The card is providing 6 month 0% APR opportunity for students and 3% cash back for first 6 months. There is not also annual fee of the card. This is one of the top offers for students in Credit Cards Center.

Upsides of the card:

  • 6 months 0% APR.
  • 3% cash back in first 6 months.
  • No annual fee.
  • Reasonable APR rates.

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Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
0% for 6 months

Regular: 13.15%-23.15%

3% Cash back on purchases in 6 months.

Regular: %1 Cash Back.

None 3% $10 or 5% 25.99% $5 – 3% (first 120 days)

Regular: 5%

0% APR for first 6 months

Regular: 13.15%-23.15%

FTF: Foreign Transaction Fee

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Best No Foreign Transaction Fee Card for 2019

BBVA Compass Select Credit Card

3x Rewards Points from Selected Category & Low APR

Bonus & Rewards: Earn 3x rewards points for a category you select. Earn 2x rewards points for 2 categories. 1x on all purchases. 1000 bonus points for $5000  worth purchases. $100 account credit for $20000 worth purchases.

Regular APR: 15.24% – 19.24%

Annual Fee: $125 (Waived first year)

Introductory APR: None

Credit Card Center Editor Score : 203

BBVA Compass Select Credit Card is actually good opportunity for consumers since they can select a purchase category with this card. So it can be beneficial for consumers if they make right choices for rewards. However sign-up bonuses of the card are a little bit disappointing. If BBVA could make a nice promotion for sign-up bonus, we believe that this card could be much better.

Upsides of the card:

  • No foreign transaction fee.
  • Low APR.
  • Good cash advance fee rate.
  • No annual fee for first year.
  • You can pick purchase categories.

See Rates

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
Regular: 15.24% – 19.24% Regular: 1 – 2 – 3

You pick a purchase category for 2x and 3x rewards. Rest of purchases are 1x.

Bonus: Earn 1000 rewards points every month for $5000 purchase.

Earn $100 for qualifying purchases which is worth $20000.

First year: 0$

Regular: 125$

None $37 $10 or 4% 24.24% $10 – 4% Regular: 15.24% – 19.24%

FTF: Foreign Transaction Fee

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Best Credit Card for No Credit History in 2019

BBVA Optimizer Credit Card

Fair APR for Purchase & Balance

Bonus & Rewards: None

Regular APR: 20.24%

Annual Fee: $40

Introductory APR: None

Credit Card Center Editor Score : 160

BBVA Optimizer Credit Card is one best credits card for consumers if they don’t have any credit history. The card is providing fair APR rates for purchase and balance. Annual fee is also reasonable.

Upsides of the card:

  • Fair APR rates for purchase and balance transfer.
  • Maximum cash advance and balance transfer fees are reasonable.

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Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
Regular: 20.24% None $40 %3 $37 $10 or 4% 29.24% $10 – 4% Regular: 20.24%

FTF: Foreign Transaction Fee

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Best Travel Credit Card for 2019

SunTrust Bank Travel Rewards Credit Card

Fair APR for Purchase & Balance + 15 Months No APR for Balance Transfers

Bonus & Rewards: 3% cash back to travel. 2% cash back on dining. 1% cash back to all purchases.

Regular APR: 13.24% – 23.24%

Annual Fee: $89 (First Year Waived)

Introductory APR: None for purchases. 15 months for Balance Transfers.

Credit Card Center Editor Score : 206

SunTrust Bank Travel Rewards Credit Card is a good card for travellers who wants to gain cash backs on purchases related with travel. The card also providing 2% cash back on dining.

Upsides of the card:

  • 0% APR on balance transfers for 15 months.
  • 3% cash back to travel, 2% cash back to dining, 1% cash back to all purchases.
  • No annual fee in the first year.
  • There is no foreign transaction fee on the card. This will help you to save a lot if you are visiting abroad often.
  • APR rates of the card is fair.

See Rates

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
Regular: 13.24%–23.24% 3% cashback on travel purchases.

2% cashback on dining purchases.

1% cashback on all other purchases.

First year waived.

$89

None $38 4% 26.99% 3% 0% APR for first 15 Months

Regular: 13.24%–23.24%

FTF: Foreign Transaction Fee

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