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 Best Overall Credit Cards

When you look for the best overall card, you want to find a credit card that has a low APR, a low (ideally 0%) introductory APR for as long a time as possible on both balance transfers and new purchases, and no annual fee. It is also terrific if the card gives you extra rewards (like cash back or airline miles). After considering all the available offers and balancing the merits of each card, we feel that the list below represents the best overall credit cards. These card provide the best balance of the sorts of things most consumers are looking for in a credit card. You'll notice that most of these cards are either Discover or American Express cards. This is because these companies are trying very hard to attract consumers who are used to carrying Visa and Mastercards, which are slightly more widely accepted. So if you are willing to carry a card that you can use only slightly fewer places than Visa or Mastercard, then these cards will reward you handsomely. And carrying a Visa card (like the chase Platinum Visa) or a Mastercard card (like the Citibank Diamond card) is also a great idea just in case!

Best Overall Cards

We continuously monitor the market in order to bring you the best credit card deals in each category.

The best credit card offers are presented side by side, which enables you to compare them instantly by key factors such as interest rates, fees, etc.

However, if you would like to learn more about any particular offer just click on the credit card name or email us for help.

To find out more about each card, click on this image.

While all offers in this table require good credit to apply, the ones with this symbol require an Exceptional credit history.

Bank Name
Card Name
Intro APR
PURCH.
Intro Period
PURCH.
Intro
APR
BAL.TR.
Intro
Period
BAL.TR.
APR % Annual Fee Apply
Apply Now!
American Express
Blue from American Express®
0% 15 months 4.99% Until
Paid Off
8.99% $0
Apply
see details see
details
Apply Now!
Citibank
Citi® Platinum Select® Card®
0% Up to
12 months
0% Up to
12 months
as low as
8.49%
$0
Apply
see details see
details
Apply Now!
Discover® Card
More Card
0% 6 months 0% 12 months± 10.99%± $0
Apply
see details see
details
Apply Now!
American Express
Blue Cash® from American Express
0% 12 months 4.99% Until
Paid Off
8.99% $0
Apply
see details see
details
Apply Now!
Citibank
Citi CashReturnsSM Card
n/a n/a 0% Up to
12 months
as low as
9.99%
$0
Apply
see details see
details
Apply Now!
Merrill Lynch
MERRILL+® Visa® Credit Card
n/a n/a 1.9% 12
billing cycles
9.99% $0
Apply
see details see
details
Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable
± The Rate and Term Length are subject to change. Please see Terms and Conditions for actual Rate and Term Length.
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Select your favorite bank for which you want to see credit card listing. After you select your favorite bank, we'll show you a detailed comparison of credit cards, which this bank offers. You can apply online for any card that you like. Some credit cards offer instant online approval.

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