MoneyGeek Credit Cards
Credit Card Reviews, Rankings & Comparisons
MoneyGeek's expert credit card reviews make it easy to compare and choose the right card, helping you get to your financial happy place.
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Card Type
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Capital One QuicksilverOne Cash Rewards Credit Card
Same cash back as Quicksilver, but easier to get with a lower credit score.
Chase Freedom Unlimited®
An excellent no-annual-fee card that lets you earn unlimited cash back
Blue Cash Preferred® Card From American Express
A strong cash back card for gas and groceries
Alliant Cashback Visa® Signature Credit Card
A top-tier flat cash back card offering that gives you up to 2.5% cash back after a $10,000 spending cap.
Capital One Quicksilver Cash Rewards Credit Card
Flat cash back with a lengthy intro 0% APR on balance transfers and purchases
Mastercard® Black Card™
A great travel reward card with no foreign transaction fee and many travel benefits (for a price)
Deserve® EDU Mastercard for Students
Best student cash back card for limited credit history
Discover it® Secured Credit Card
A practical no-annual-fee secured card for earning cash back and building credit
Discover it® Student Cash Back
A sound no-annual-fee credit card that offers bonus cash back for students
Capital One Quicksilver Student Cash Rewards Credit Card
A practical no-annual-fee student credit card with cash back
Bank of America® Customized Cash Rewards Credit Card
High cash back on bonus categories especially for BofA loyalists
Navy Federal More Rewards American Express card
A good no annual fee rewards card for people with average credit
Citi Custom Cash® Card
5% cash back on your highest qualifying spend category up to $500 per month
Bank of America® Premium Rewards® Credit Card
A great travel rewards card for people who don’t want to deal with blackout dates
Simmons Rewards Visa Signature®
A great no annual fee card that offers rewards and travel benefits
PenFed Power Cash Rewards Visa Signature® Card
A good no-annual-fee balance transfer card with cash back
Southwest® Rapid Rewards® Performance Business Credit Card
Business owners who want the most benefits
JetBlue Plus Card
Great for frequent JetBlue travelers looking for additional TrueBlue points and perks from their loyalty
Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card
A great no-annual-fee business rewards card with several added benefits
Navy Federal Credit Union Platinum Card
A great no-annual-fee balance transfer card for Navy Federal members
Credit One Bank® Platinum Visa® for Rebuilding Credit
Best credit card for prequalifying with bad credit
Bank of America® Travel Rewards
A no-annual-fee travel rewards card with a good spend-based welcome bonus offer
Bank of America® Customized Cash Rewards Credit Card for Students
A good student card with higher cash back on bonus categories
Citi® Secured Mastercard®
Best credit card for building credit with no or limited credit history
Capital One Venture X Rewards Credit Card
Straightforward travel rewards card with premium perks
Southwest® Rapid Rewards® Premier Business Credit Card
Business owners who prefer low fees
Milestone Mastercard® - $700 Credit Limit
Good choice for rebuilding your credit without paying a security deposit.
Discover it® Miles
A good no-annual-fee travel credit card with an introductory 0% APR offer
Navy Federal Credit Union® nRewards® Secured Credit Card
A good secured card for building credit and earning rewards
Citi Rewards+® Card
An excellent no-annual-fee rewards card with a 0% introductory APR offer
Chase Freedom Flex® Card
An easy-to-use cash back card with quarterly rotating bonus categories
U.S. Bank Visa® Platinum Card
An excellent balance transfer card with no annual fees and an extended intro APR offer
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Best for those looking for a credit-boosting card with a 0% intro APR
PenFed Pathfinder® Rewards Visa Signature® Card
A good travel rewards card that comes with a possible annual fee waiver
Chase Sapphire Preferred® Card
Enjoy flexible travel points and no foreign transaction fees
Alliant Visa® Platinum Credit Card
A good no-annual-fee credit card with an intro 0% APR offer
Fit Mastercard® Credit Card
An unsecured credit card meant for those who wish to rebuild their credit
Navy Federal Credit Union Visa Signature® Flagship Rewards
A good travel rewards card with nominal annual fees
Capital One Venture Rewards Credit Card
Strong entry-level travel card with high rewards rates
We Do the Heavy Lifting, You Make an Informed Choice
At MoneyGeek, our credit card reviews are based on a rigorous methodology that evaluates 32 data points for each card. We don't assess each card in isolation; our rankings compare it to other options to ensure you can understand how the card you're looking at compares to the other cards out there. Explore our reviews to find a great card for your needs.
How We Evaluate and Review Credit Cards
MoneyGeek's experts collect 32 data points for each card at least every 90 days. We gather these data from card issuer websites, various partners and the Consumer Financial Protection Bureau. Our custom ranking methodology is used to review each card. Cards are considered and scored for multiple uses. For example, a card can score well for cash back and balance transfers.
Some of the data points we collect or generate:
- APRs
- Fees and penalties
- Rewards earnings rates
- Redemption options
- Points/miles valuations
- Introductory offers and APRs
- Airline destinations and Hotel property counts
- Transfer and codeshare partners
Frequently Compared Credit Cards
MoneyGeek's head-to-head comparisons put two cards together for a point-by-point analysis to help you understand their key differences and see our take on which card is better. Below are some of the most frequently compared cards.
MoneyGeek Credit Card Review FAQ
How does MoneyGeek evaluate and score credit cards?
MoneyGeek uses a comprehensive scoring methodology that considers various factors such as balance transfer offers, annual fees, introductory purchase rates and rewards. Each card is rated on a scale from 1 to 5, with scores rounded to the nearest tenth. For more details, check our methodology.
What should I look for in a credit card review?
Look for an unbiased and thorough review of the credit card. When reading a credit card review, focus on the card's fees, interest rates, rewards and any special offers. Consider how these factors align with your spending habits and financial goals. Reviews on MoneyGeek provide a balanced view of these aspects to help you make an informed choice
Do credit cards have hidden fees?
Yes and no — every card comes with a disclosure mandated by the Consumer Financial Protection Bureau that requires the card's rates and fees to be provided in black and white. Credit card companies make them accessible, but they aren’t always front and center in their advertising and web pages. Once you’ve found it, you should be able to review gotchas like foreign transaction fees, late payment fees, penalty APRs and balance transfer fees as you consider cards. Our reviews highlight these fees to ensure you have a clear understanding of the total costs associated with each card.
Are MoneyGeek's reviews paid advertisements?
No. Opinions, reviews, analyses and recommendations are the author's alone and have not been reviewed, endorsed or approved by any credit card issuers. MoneyGeek does partner with credit card issuers and may receive a commission from them.
What are the best credit cards for specific spending categories?
MoneyGeek reviews credit cards based on various spending categories such as dining, gas, groceries, and online shopping. Check our best cash back credit cards and best travel credit cards to find cards that match your spending patterns.
Helpful Resources
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.