How we rate our cards Advertiser Disclosure

Credit Cards

Compare top offers by category. Read our expert reviews and recommendations. Feel confident when you apply.

Explore more

Rewards Business Travel No annual fee

Bankrate's promoted cards from our partners

Here are some of our most popular credit card offers this month. Whether you are interested in a lower interest rate, travel rewards, cash back or other perks, we can help you find the right credit card from our partners. The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site. Terms Apply.

Best for everyday spending

Hilton Honors American Express Surpass® Card

Apply now

on American Express's secure site

Recommended Credit Score: Good to Excellent

Bankrate Score

3.7

Rewards Rate:

Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

Welcome Offer:

Earn 130,000 Hilton Honors Points + a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.

Regular APR:

19.74%-28.74% Variable

Purchase Intro APR:

N/A

Balance Transfer Intro APR:

N/A

Annual Fee:

$150
“The quarterly Hilton credit on this card is even more flexible than the highest-tier Hilton card’s resort credit. The card is also a great earner for everyday spending.” – Ryan Flanigan, Bankrate credit cards writer

Alternative: A general travel rewards card like the Capital One Venture Rewards Credit Card could be a better option if you value flexibility, since you can earn and redeem rewards for statement credits on bookings at any hotel brand.
- Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.
- Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
- Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. With Hilton Honors Diamond status, enjoy benefits like: A 100% Bonus on all Base Points you earn on every stay, Premium Wi-Fi at select properties, Daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., Space-available room upgrades at select properties, and Executive lounge access at select properties.
- Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $150 annual fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.

See Rates & Fees , Terms Apply

BEST STARTER TRAVEL CARD

Chase Sapphire Preferred® Card

Apply now

on Chase's secure site

Recommended Credit Score: Good to Excellent (670 – 850)

Bankrate Score

4.8

Rewards Rate:

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, vacation homes, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs). Earn 2x on all other travel purchases. Earn 1x on all other purchases.

Welcome Offer:

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Regular APR:

19.24% - 27.49% Variable

Purchase Intro APR:

N/A

Balance Transfer Intro APR:

N/A

Annual Fee:

$95
This card’s points are worth more when you redeem for travel through Chase Travel℠ and you can transfer rewards to a long list of popular airline and hotel transfer partners, making it a great pick if you’re looking for an ultra-flexible, low-cost travel card.

Read our full Chase Sapphire Preferred review.
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
- Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
- Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Transfer points to leading airline and hotel loyalty programs
- Member FDIC

See Rates & Fees

Best for luxury Marriott stays

Marriott Bonvoy Brilliant® American Express® Card

Apply now

on American Express's secure site

Recommended Credit Score: Good to Excellent

Bankrate Score

3.4

Rewards Rate:

Earn up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status. Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy. Earn 3X points at restaurants worldwide and on flights booked directly with airlines. Earn 2X points on all other eligible purchases.

Welcome Offer:

Earn 150,000 Marriott Bonvoy® bonus points plus a $250 statement credit after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Offer ends 09/30/2026.

Regular APR:

19.74%-28.74% Variable

Purchase Intro APR:

N/A

Balance Transfer Intro APR:

N/A

Annual Fee:

$650
“I can always use this card's free night certificate for a top-tier Marriott resort stay. I also get good value using the dining credit at restaurants that would be pricey otherwise.” – Ryan Flanigan, Bankrate credit cards writer

Alternative: If you’re looking to avoid high annual fees but still want to reap great benefits, consider the Marriott Bonvoy Boundless® Credit Card. It offers an elevated rewards rate in more categories, while still providing elite membership benefits and 15 Elite Night Credits.
- Earn 150,000 Marriott Bonvoy® bonus points plus a $250 statement credit after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Offer ends 09/30/2026.
- Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
- Earn 3X points at restaurants worldwide and on flights booked directly with airlines.
- Earn 2X points on all other eligible purchases.
- Earn up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status.
- $300 Brilliant Dining Credit: With the $300 Brilliant Dining Credit, you can get up to $25 per month each calendar year in statement credits for eligible purchases at restaurants worldwide when you pay with your Marriott Bonvoy Brilliant® American Express® Card.
- With complimentary Marriott Bonvoy® Platinum Elite status, earn up to 5X points from Marriott Bonvoy® on eligible hotel purchases with the 50% Bonus Points on stays benefit.
- Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®, such as Le Metropolitan, a Tribute Portfolio Hotel in Paris. Certain hotels have resort fees.
- Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
- $100 Marriott Bonvoy® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
- Receive either a $120 statement credit for a Global Entry application fee or a statement credit up to $85 for a TSA PreCheck® (through a TSA official enrollment provider) application fee every 4 years, when charged to your Marriott Bonvoy Brilliant® American Express® Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Each calendar year, receive 25 Elite Night Credits towards the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
- With your Marriott Bonvoy Brilliant® American Express® Card, you can enroll in Priority Pass™, with an unlimited number of visits to over 1,300 airport lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or in-between flights. You can enjoy snacks, drinks and internet access in a comfortable location.
- Trip Cancelled or Interrupted? If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
- No Foreign Transaction Fees on international purchases.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees

See Rates & Fees , Terms Apply

Limited spots available

Help us shape the future of personal finance

We’re building something new to make rate shopping smarter and simpler. Join our waitlist to get early access, share your feedback, and unlock exclusive offers.

Priority rate alerts

Exclusive member offers

Time saving

Email address

Please provide a valid email address

Limited spots remaining

Tools & Reviews

5.0

Bankrate Score

Read review

4.7

Bankrate Score

Read review

All credit card reviews

Credit cards compare tool

Credit card payoff calculator

Balance transfer calculator

Credit utilization calculator

Featured by names you know and trust

The latest

Design element of a person holding a phone in one hand and a credit card in another

What is a balance transfer — and is it a good idea for debt?

Here’s how a good credit score can help you qualify for better APRs.

You may be able to apply for a business credit card using your EIN only.

Close-up of a woman paying using credit card in a beautician clinic

Luxury credit cards are a status symbol that may not be worth the high fees.

Credit card issuers can offer rewards due to the fees they collect.

Woman's Hands using credit card for shopping online on her smartphone Over Yellow Background

Your credit card comes with rules. Can you use them to your advantage?

You still have good credit card options with a 600 credit score.

woman laying on couch while working on laptop and holding credit card

Here’s why you may owe interest on a 0% APR card.

design image of an African American woman in wheelchair talking on phone at home

Call your card issuer if you want a lower interest rate, and be ready to negotiate.

A mid adult couple viewing a home furniture showroom together, one man is lying on a bed while his fiancé sits near him on the bed. They are testing out the bed and considering buying it.

Deferred interest deals can result in extremely high interest charges.

Happy women on beach holiday shopping online

These travel cards come with a rare 0% intro APR offer.

There are several benefits to upgrading your card with your current issuer.

East Asian millennial woman investing in finances and technologies

A new credit card, timed right and used strategically, can help you fight high prices.

Design element of credit card with 0% tag

Here’s how to maximize the benefits of a 0% intro APR credit card.

These four types of bank accounts can help you meet your financial goals.

What is a balance transfer — and is it a good idea for debt?

Here’s why you may owe interest on a 0% APR card.

Businessman shopping online with credit card

They’re rare, but here are the best balance transfer business cards.

Young man having more expenses than expected.

Here’s what you need to do if your credit card APR increases.

design image of a woman smiling at her phone and holding a credit card with money in the air

Here’s how to do a balance transfer, which could help you pay off debt faster.

A side-by-side comparison of a condo and a house.

There are pros and cons to both types of properties, but one might be better suited to first-time buyers.

These four types of bank accounts can help you meet your financial goals.

Woman at grocery store in produce section

There are many ways to redeem cash back rewards, including as a statement credit.

Here’s a look at some of the best cards offering 2% back on all purchases.

Young man at outdoor cafe smiles as he holds his tablet and credit card

Make the most of your cash back bonus categories this quarter.

design element a violet background with a foreground of an older male in a suit holding a card in his hand with an airplane in the upper right corner and money descending behind him

The best cash back business credit cards come with no annual fee.

Couple making a purchase at flower shop counter with credit card

Flat-rate cash back cards offer one rewards rate for all of your spending.

Happy businesswoman with fuel pump at gas station

Make the most of your rotating Discover cash back rewards each quarter.

A new credit card, timed right and used strategically, can help you fight high prices.

Design element of a person holding several credit cards in each hand.

Are you more interested in a rewards program or a longer intro APR offer?

Smiling man holds tablet and credit card.

If you were counting on Freedom Flex Q4 categories to reward your holiday shopping, you might be disappointed this year.

Whether card rewards are taxable depends on whether they are a rebate on spending

young person holding up a shirt while shopping in a store

Department store purchases can add up quickly. Why not earn rewards on them?

Choosing between the cards depends on whether you prioritize debt payoff or rewards.

design element inlcuding an older couple walking outside with their luggage

Find out some awesome ways to use 100k points, plus where to find them.

Find out the lesser-known credit card perks that could benefit you.

Check out how to redeem your Chase points and all the ways to stretch their value.

When a retailer vanishes, your card debt doesn’t. Here’s how your retail credit card may be impacted by store closures.

man paying with a credit card at a store

You can get a rewards credit card without good credit if you are flexible enough.

Credit Cards

Card Type

Card Issuer

Credit Type

Bankrate's promoted cards from our partners

Best for everyday spending

Hilton Honors American Express Surpass® Card

Features

Bankrate's View

Card Details

BEST STARTER TRAVEL CARD

Chase Sapphire Preferred® Card

Features

Bankrate's View

Card Details

Best for luxury Marriott stays

Marriott Bonvoy Brilliant® American Express® Card

Features

Bankrate's View

Card Details

Help us shape the future of personal finance

Tools & Reviews

The latest