The top credit cards offer cash back, free travel, and low interest rates. We’ve researched the current offers and listed the best credit cards of 2019 by category.

With 2019 upon us, it seems like a good time to review some of the best credit card offers available. Carrying the right credit card(s) for your spending habits is not only the responsible thing to do, but also the smart thing to do.  Credit cards get a bad rap sometimes, especially when you start to see the fees and interest piling up. But the best credit card offers include cards that award cash back, points and miles, and even 0% APR introductory rates – all for little to no annual fee and comparatively low interest rates.

Below are 11 of the top credit cards available now. I’ve considered the following factors in compiling this list:

• Rewards: Some cards offer richer rewards than others. Whether cash back, points or miles, look for cards with the best perks. It’s also important to consider bonus deals.
• Interest Rates: The focus here is on 0% introductory rates. While low regular APRs can be a plus as well, they shouldn’t matter if you are paying the card in full every month.
• Credit Needed: The most rewarding cards require excellent credit. As a result, we also include cards available to those with average credit.

Credit Card	Best For
Chase Freedom	Earning high cash back on rotating categories
Capital One® Quicksilver® Cash Rewards Credit Card	Earning 1.5% on everything
Wells Fargo Cash Wise Visa® Card	If you regularly pay with Android Pay or Apply Pay
Blue Cash Preferred® Card from American Express	Big families or small businesses
Chase Sapphire Preferred Card	You’ve got a big trip coming up and need a fat bonus to help pay for it
Bank of America® Travel Rewards credit card	Earning simple, high rewards points for Bank of America® customers
Capital One® Venture® Rewards Credit Card	If you plan on multiple hotel stays in 2019
BankAmericard® credit card	Paying off high interest credit cards
Wells Fargo Platinum Visa® Card	Protecting your cell phone

Best Cash Back Offers

Chase Freedom

The Chase Freedom is a terrific cash back credit card that offers 5% cash back on select categories each and every quarter.  Things like gas, grocery and department store purchases are routinely included in the 5% categories and all other purchases earn 1%.  New cardmembers can also earn a $150 sign-up bonus!

• Everyday Rewards: Earn 1% cash back on all purchases and 5% cash back on select purchases each quarter (up to $1,500 spent quarterly)
• Bonus Rewards: A $150 cash bonus is included after spending $500 in the first three months.
• Annual Fee: None.
• Extra Features: The Chase Freedom also provides cardholders a 0% intro APR on both purchases and balance transfers for the first 15 months!

Best for: Earning high cash back on rotating categories. Earn 5% on rotating categories worth up to $75 per quarter ($300 per year), PLUS $150 sign up bonus after spending at least $500 within 3 months, PLUS 0% APR on balance transfers and purchases for 15 months, PLUS no annual fee. This is the offer for you if you’re looking for a card that packs a lot of value!

Capital One® Quicksilver® Cash Rewards Credit Card

The Capital One® Quicksilver® Cash Rewards Credit Card  also takes a simple approach to cash back rewards. You earn 1.5% cash back on every purchase. There is no annual fee.

• Everyday Rewards: 1.5% cash back on all purchases.
• Bonus Rewards: One-time $150 cash bonus after you spend $500 on purchases within 3 months of approval
• Annual Fee: None.
• Extra Features: 0% APR on purchases and balance transfers for 15 months.

Best for: Earning 1.5% on everything. No category restrictions on this card, plus easy to earn $150 sign up bonus after spending just $500 in the first 3 months. And you’ll love 0% APR on purchases for 15 months AND no annual fee!

Learn how to apply here.

Wells Fargo Cash Wise Visa® Card

The Wells Fargo Cash Wise Visa® Card also pays 1.5% cash back on every purchase. It also offers a higher cash bonus of $150 for new cardmembers and a special 1.8% cash back rate on Google Pay or Apple Pay mobile wallet net purchases.

• Everyday Rewards: Earn unlimited 1.5% cash rewards on everyday net purchases
• Bonus Rewards: Earn $150 cash rewards bonus after spending $500 in net purchases in the first 3 months
• Annual Fee: None.
• Extra Features: Enjoy 1.8% cash rewards on Android Pay or Apple Pay digital wallet net purchases during the first 12 months from account opening.

Best for: If you regularly pay with Android Pay or Apply Pay. You’ll earn 1.8% cash back for the first 12 months when you pay with these digital wallets, then 1.5% cash back on all other purchases. If that isn’t enough, the card offers 0% APR on balance transfers and purchases for 15 months, with no annual fee. And the $150 cash bonus after spending $500 in the first 3 months isn’t hard to take either!

Learn how to apply here.

Blue Cash Preferred® Card from American Express

Last of the cash back cards on our list, but certainly not least, the Blue Cash Preferred® Card from American Express offers 6% cash back at U.S. supermarkets ($6,000 annual max spend); 3% cash back on gas and 1% cash back on all other purchases. It also offers a $250 welcome cash bonus when you spend $1,000 on the card in the first three months.

• 6% cash back at U.S. supermarkets, on up to $6,000 per year in purchases
• 6% cash back on select US streaming services (like Netflix, Hulu and others)
• 3% cash back at U.S. gas stations
• 3% cash back on ground transportation
• 1% cash back on other purchases

Best for: Big families or small businesses. Earn 6% cash back on groceries and 3% on gas purchases, then 1% on all other purchases. You’ll also like the $250 statement credit after spending $1,000 in the first 3 months, as well as the 0% APR on purchases for the first 12 months.

Learn how to apply here.

More Offers: You’ll find an extensive list of cash back credit cards here.

Best Travel Rewards Card Offers

Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is the premier travel card of the Chase portfolio, opening up with a $750 travel bonus after spending $4,000 in the first three months.  Dedicated 24-hour live customer support and 2 points per dollar spent on travel and dining also bolster a great opening act.

• Everyday Rewards: Double points on travel and dining and single points on all other purchases.
• Bonus Rewards: Earn 60,000 bonus points after spending $4,000 in the first three months.  That’s worth $600 in cash or $750 in travel!
• Annual Fee: $95.
• Rewards Transfer: You can also transfer your Ultimate Rewards points at a 1:1 ratio.

Best for: You’ve got a big trip coming up and need a fat bonus to help pay for it. Get the biggest sign-up bonus on our list, worth up to $750 in travel after spending $4,000 in the first 3 months. And if you like travel and dining out, you’ll earn 2X points rewards on both.

Bank of America® Travel Rewards credit card

The Bank of America® Travel Rewards credit card is a great card for those who want to earn travel rewards the simple way, without dealing with complicated airline and hotel programs. It offers you 1.5 points per dollar spent with no limits, and points can be redeemed for any airline or hotel reservation with no blackout dates.

New applicants can also receive 25,000 bonus points, worth $250 after spending $1,000 within the first 90 days of account opening.

• Everyday Rewards: Earn 1.5 points per dollar spent.
• Bonus Rewards: New accounts receive 25,000 bonus points, worth $250 after spending $1,000 within 90 days of account opening.
• Annual Fee: None
• Extra Features: 12 billing cycles of 0% APR financing on purchases with an ongoing APR of 17.24% – 25.24% variable. No foreign transaction fees.

Best for: Earning simple, high rewards points for Bank of America® customers.  You’ll also love the $250 sign up bonus after spending just $1,000 in the first 3 months, and 0% APR on purchases for 12 months.

Apply here or read our full Bank of America® Travel Rewards credit card review

Capital One^® Venture^® Rewards Credit Card

This is the card with the most memorable commercials, but it’s also one of the best travel cards around today. It’s most valuable if you use the benefits for travel, when the miles are worth more. Here are the details:

• Everyday Rewards: Earn unlimited 2X miles per dollar on every purchase, every day
• Bonus Rewards: Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $500 in travel
• Annual Fee: $0 intro annual fee for the first year; $95 after that
• Extra Features: No foreign transaction fees.

Best for: If you plan on multiple hotel stays in 2019. Earn 10X miles at hotels through January, 2020! Then earn 2X miles on ALL purchases.  You’ll also get 50,000 miles–worth $500 in travel–after spending $3,000 in the first 3 months, plus no foreign transaction fees and no annual fee for the first year.

Learn how to apply here.

More Offers: You’ll find an extensive list of travel rewards credit cards here.

Best 0% APR Offers

BankAmericard® credit card

If you can get past this card’s unusual name, you’ll find a strong card that’s designed to help you pay off your balance faster. It starts with 18 billing cycles of 0% APR financing on both new purchases and balance transfers, and continues with a low standard interest rate of 15.24% – 25.24% variable and no penalty APR.

• Annual Fee: None
• Intro Pricing Details: 18 billing cycles of a 0% intro APR on both new purchases and balance transfers.  Balance transfers must be made within the first 60 days to qualify for the intro rate.

Best for: Paying off high interest credit cards. This card has the most generous 0% introductory APR on balance transfers–and purchases–at a full 18 months, saving you thousands in interest! Plus, no annual fee to reduce your savings, and no late fee on your first late payment and no penalty APR!

Take advantage of the long 18 billing cycle 0% APR intro rate while it’s still around.

Apply here or read our full BankAmericard® review

Wells Fargo Platinum Visa® Card

The Wells Fargo Platinum Visa® Credit Card offers an introductory APR of 0% on balance transfers and purchases for 18 months. There is no annual fee, and Wells Fargo provides free tools to help you manage your money.

• 0% APR: 0% for 18 months on balance transfers and purchases.
• Annual Fee: None.
• Extra Features: Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card

Best for: Protecting your cell phone. Your phone is protected against damage or theft when you pay your phone bill using the card. Plus, 0% APR on purchases and balance transfers for a full 18 months, with no annual fee!

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More Offers: You’ll find an extensive list of 0% credit cards here.

Topics: Credit Cards

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