Updated on Dec 4, 2017

Best Cards for 2017

What is the best credit card for you? We can help you decide.
Andy Bowen
By
Advertiser Disclosure

This page includes analysis of our favorite cards from Money360’s advertisers and the marketplace. Visit our advertiser disclosure to learn more.

The best credit card is the one that helps you achieve your financial goals — and earn some rewards in the process. We reviewed hundreds of the best credit cards to find this year’s greatest offers. Take a look at our rundown and apply online for your perfect fit in minutes.

The best credit cards for 2017

Best overall

Chase Sapphire Preferred® Card
Signup bonus 50,000 points
Rewards overview 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. Terms Apply.

Redeem for... Travel, eDeposit, statement credit, gift card, cash
Annual Fee Introductory Annual Fee of $0 the first year, then $95
Highlights Provided by Chase Show Highlights
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
  • Issuer: Chase
  • Rewards Details: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
  • Sign Up Bonus: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Annual Fee: Introductory Annual Fee of $0 the first year, then $95
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 25.99% Variable
  • Foreign Transaction Fee: $0
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 16.99% - 23.99% Variable
  • Penalty APR: None

Our two cents

Who should get it

Overall, the Chase Sapphire Preferred® Card is one of the best credit cards available today. Customers who want a generous signup bonus will appreciate the 50,000 bonus points after spending $4,000 on purchases in the first 3 months. The Chase Sapphire Preferred® Card also features a wide array of redemption options for travel, gift cards, and more.

How to use it
  • Spend $4,000 within the first 3 months to earn 50,000 bonus points
  • Redeem bonus points for airfare, hotels, and more
  • Use card on travel expenses and dining worldwide to earn 2x points
  • Add an authorized user within first 3 months to earn 5,000 bonus points
Consider this

The cardholders who are going to be able to make the most of the Chase Sapphire Preferred® Card are the ones who do a lot of traveling and dining out. For an alternative, we recommend the Chase Freedom Unlimited® card, which lets cardholders earn 1.5% cash back on every purchase, not just travel and dining.

Why you'll love it

If you find yourself traveling and dining out more often than not, you will enjoy earning rewards with the Chase Sapphire Preferred® Card. In addition to the generous signup bonus, you’ll also love getting 25% more value when you redeem points through Chase Ultimate Rewards®. (Just to give you an idea of what that looks like: 50,000 bonus points are worth $625 toward travel.)

Start your application now

Best for balance transfers

Discover it® - 18 Month Balance Transfer Offer
Signup bonus First year cash back match
Rewards overview 5% cash back at different places each quarter; 1% on all other purchases Terms Apply.

Redeem for... eDeposit, statement credit, charitable donation, or Amazon purchases
Annual Fee $0
Highlights Provided by Discover Show Highlights
Card Highlights Provided by Discover:
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Issuer: Discover
  • Rewards Details: 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. 1% cash back on all other purchases.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.99% Variable
  • Introductory APR: 0%
  • Introductory APR Period: 6 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 18 months
  • Ongoing APR: 11.99% - 23.99% Variable

Our two cents

Who should get it

Anyone looking to chip away at mounting credit card debt will find what they’re looking for in the Discover it® 18 Month Balance Transfer Offer card. Just as the name suggests, you’ll get 18 months of interest-free bliss to pay off an outstanding card debt for balance transfers. The Discover it® 18 Month Balance Transfer Offer card also comes with a dollar-for-dollar Cashback Match™ at end of the first year.

How to use it
  • Transfer an outstanding credit card balance and pay it off without accruing interest for 18 months.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Get an automatic dollar-for-dollar match on cash back at end of your first year.
Consider this

The intro APR of the Discover it® 18 Month Balance Transfer Offer is one of the best credit card offers of its kind. However, if you’re trying to finance a new purchase instead of transferring a balance, the Barclaycard CashForward™ World Mastercard® (currently unavailable) might be a better choice. Its 15-month 0% intro APR for purchases is significantly longer than that of the Discover it® 18 Month Balance Transfer Offer’s (6 months).

Why you'll love it

The Discover it® 18 Month Balance Transfer Offer is one of our top credit cards because of its generous window of 0% for 18 months intro APR on balance transfers. So, you can finally have the wiggle room to pay off an outstanding balance with ample time to avoid accruing interest. In addition, many cardholders will appreciate the 6 months of 0% intro APR on purchases.

Start your application now
Partner Offer Apply Now On American Express's secure website

Best for families

Blue Cash Preferred® Card from American Express
Signup bonus $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.
Rewards overview 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Terms apply.

Redeem for... Reward Dollars (redeemed as a statement credit)
Annual Fee $95
Highlights Provided by American Express Show Highlights
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • Issuer: American Express
  • Rewards Details: 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Terms Apply.
  • Annual Fee: $95 See Details
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Introductory APR: 0%
  • Introductory APR Period: 12 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 12 months
  • Ongoing APR: 13.99% - 24.99% Variable See Rates & Fees
  • Penalty APR: 29.99% Variable

Our two cents

Who should get it

Anyone who wants rewards for everyday spending, families in particular, should look into the Blue Cash Preferred® Card from American Express. With this card, you can earn 6% cash back at U.S. supermarkets for up to $6,000 in purchases (per year; drops to 1% after). The Blue Cash Preferred® Card from American Express also offers 3% cash back at U.S. gas stations and select U.S. department stores.

How to use it
  • Pay for your groceries at U.S. supermarkets and earn 6% cash back (up to $6,000 per year; 1% after).
  • Fill up at a U.S. gas station and earn 3% cash back on your purchase.
  • Spend $1,000 in purchases within first 3 months and earn $200 statement credit.
Consider this

The Blue Cash Preferred® Card from American Express can be a little restricting as your earnings can generally be redeemed just as statement credits. For more flexible redemption options, the Chase Sapphire Preferred® Card is a great alternative. This card lets you rack up the points and redeem them for cash back, discounted travel, and more.

Why you'll love it

Imagine a card with a rewards program that lines up with the regular spending habits of a typical family. The Blue Cash Preferred® Card from American Express is one such card, allowing you to earn high-rate rewards at many stops on your daily journey. It’s a credit card that makes earning cash back both fast and easy.

Start your application now
Partner Offer Apply Now On American Express's secure website

Best for everyday cash back

Blue Cash Everyday® Card from American Express
Signup bonus $150
Rewards overview 3% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%); 2% at U.S. gas stations and at select U.S. department stores; 1% on other purchases. Terms apply.

Redeem for... Reward Dollars (redeemed as a statement credit)
Annual Fee $0
Highlights Provided by American Express Show Highlights
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • Issuer: American Express
  • Rewards Details: 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Terms Apply.
  • Annual Fee: $0 See Details
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Introductory APR: 0%
  • Introductory APR Period: 15 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 15 months
  • Ongoing APR: 13.99% - 24.99% Variable See Rates & Fees
  • Penalty APR: 29.99% Variable

Our two cents

Who should get it

The Blue Cash Everyday® Card from American Express is a leading choice for anyone who wants to earn cash back on their everyday spending. Earn 3% cash back at U.S. supermarkets on up to $6,000 per year (drops to 1% after). You can also earn 2% cash back at U.S. gas stations and select U.S. department stores.

How to use it
  • Use on everyday purchases and spend $1,000 within the first 3 months for a $150 bonus.
  • Earn cash back at the grocery store, gas pump, and more with this everyday spending card.
  • Lower your monthly bill when you redeem your rewards as statement credits.
Consider this

If you don’t use your credit card on everyday purchases (groceries, gas, etc.), then you might not get the most out of the Blue Cash Everyday® Card from American Express. In that case, you might benefit from a card with high-rate rewards in rotating categories. The Chase Freedom® can offer you 5% cash back on rotating categories (on up to $1,500 in purchases, quarterly).

Why you'll love it

What’s not to love about a credit card that features a straightforward cash back rewards program? The Blue Cash Everyday® Card from American Express comes with a rewards plan that falls in line with everyday spending habits. No rotating categories, no elaborate spending strategies – just use the card and start earning cash back.

Start your application now

Best for everyday travel rewards

Capital One® Venture® Rewards Credit Card
Signup bonus 50,000 miles
Rewards overview Unlimited 2X miles per dollar

Redeem for... Travel statement credit; travel booked through CapitalOne.com; gift cards; and more
Annual Fee $0 intro for first year; $95 after that
Highlights Provided by Capital One Show Highlights
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
  • Get a metal Venture Card when you apply today
  • Issuer: Capital One
  • Rewards Details: 2 Miles per dollar on every purchase, every day. 50000 Miles once you spend $3,000 on purchases within 3 months from account opening.
  • Annual Fee: $0 intro for first year; $95 after that
  • Balance Transfer Fee: $0
  • Cash Advance APR: 23.99% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 13.99% - 23.99% (Variable)
  • Penalty APR: None

Our two cents

Who should get it

Cardholders looking for a fast way to earn miles will get the most out of the Capital One® Venture® Rewards Credit Card. It makes our top credit cards list for the simple fact that you can earn 2x miles per every dollar you spend on purchases. The Capital One® Venture® Rewards Credit Card makes it easy.

How to use it
  • Spend $3,000 on purchases in your first three months to earn 50,000 bonus miles.
  • Take this card anywhere and earn 2x miles for every dollar spent.
  • Travel abroad and use this card without worrying about foreign transaction fees.
Consider this

If you like earning miles on everyday purchases but don’t like annual fees, then the Capital One® Venture® Rewards Credit Card might not be for you. (It’s waived for the first year, but $95 annually afterward.) The Capital One® VentureOne® Rewards Credit Card has a rewards rate of 1.25 miles per dollar spent and a smaller signup bonus, but there’s no annual fee to worry about.

Why you'll love it

The Capital One® Venture® Rewards Credit Card stands among the best credit cards on our list for everyday travel rewards. Being able to earn unlimited 2x miles for every dollar you spend makes saving up for a vacation fast and simple. Also, taking advantage of the signup bonus nets you 50,000 bonus miles (after spending $3,000 within first 3 months), which translates to $500 toward travel.

Start your application now

Best no-fee travel card

Bank of America® Travel Rewards Credit Card
Signup bonus 20,000 bonus points
Rewards overview Unlimited 1.5 points per dollar

Redeem for... Travel statement credit
Annual Fee $0.00
Highlights Provided by Bank of America Show Highlights
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Issuer: Bank of America
  • Rewards Details: 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account. 1.5 points on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
  • Annual Fee: $0.00
  • Balance Transfer Fee: 3% of the amount of each transaction or $10, whichever is greater.
  • Cash Advance APR: See Terms
  • Foreign Transaction Fee: None
  • Introductory APR: 0% Introductory APR on purchases
  • Introductory APR Period: 12 billing cycles
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 15.99% - 23.99% Variable APR on purchases and balance transfers
  • Penalty APR: up to 29.99% APR

Our two cents

Who should get it

The Bank of America® Travel Rewards Credit Card is among the best credit card offers if you’re a Bank of America customer. BoA customers can enjoy an extra 10% customer points bonus on every purchase when they use this card. Additionally, the Bank of America® Travel Rewards Credit Card comes with a signup bonus of 20,000 online bonus points when you spend $1,000 in purchases within the first 90 days.

How to use it
  • Spend with this card and earn unlimited 1.5x points per dollar.
  • Add value to your points when you book travel during sales or on discount travel sites.
  • Redeem your points for travel statement credit — flights, hotels, cruises, and much more.
Consider this

A big draw for the Bank of America® Travel Rewards Credit Card is how it offers an extra 10% customer points bonus on purchases to Bank of America customers. At the same time, there are other top cards on our list that offer great rewards regardless of where you do your banking. One such alternative is the Discover it® Miles card which offers 1.5x miles per dollar spent and has no annual fee.

Why you'll love it

Cardholders will appreciate the freedom and flexibility of the Bank of America® Travel Rewards Credit Card when it comes to booking vacations and earning points. All purchases can yield 1.5x points per dollar spent and you can redeem these points at discount travel sites. Furthermore, Bank of America customers can get even more points with the extra 10% customer points bonus.

Start your application now
Partner Offer Apply Now On American Express's secure website

Best hotel credit card

Starwood Preferred Guest® Credit Card from American Express
Signup bonus 25,000 Starpoints®
Rewards overview 2 Starpoints® per dollar at SPG® & Marriott Rewards® hotels; 1 Starpoint for all other purchases. Terms apply.

Redeem for... Hotel and resort stays, airfare
Annual Fee $95 (waived first year)
Highlights Provided by American Express Show Highlights
  • Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Planning a road trip? Rent your car, fill up your tank, book your hotel, and pay for it with your American Express® Card.
  • Terms Apply.
  • Issuer: American Express
  • Sign Up Bonus: Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Annual Fee: $0 for the first year, then $95 See Details
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 16.24% - 20.24% Variable See Rates & Fees
  • Penalty APR: 29.99% Variable

Our two cents

Who should get it

Leisure and business travelers who are loyal to Starwood® hotel brands will feel at home with the perks and rewards provided by the Starwood Preferred Guest® Credit Card from American Express. This card helps you earn 2 Starpoints® per every dollar spent at SPG® and Marriott Rewards® hotels across the world, including Aloft, Sheraton, and Courtyard Marriott.

How to use it
  • Earn 25,000 Starpoints® when you spend $3,000 within the first 3 months.
  • Use your Starpoints® at participating resorts or hotels, and book travel through SPG® Flights.
  • Stay at participating SPG® and Marriott Rewards® properties and earn 2x points per dollar spent.
Consider this

Frugal hotel guest might not get the most out of the Starwood Preferred Guest® Credit Card from American Express. The annual fee, while waived for the first year, could also be a deal breaker at $95. In this case, consider the IHG® Rewards Club Select Credit Card (currently unavailable) with an annual fee of $49 (waived for the first year) and a rewards program for purchases made at IHG hotel brands including Holiday Inn and Candlewood Suites.

Why you'll love it

The Starwood Preferred Guest® Credit Card from American Express makes a great travel companion for the traveler who prefers SPG® and Marriott Rewards® properties. It also comes with no foreign transaction fees, and rewards can be redeemed at over 1,300 participating hotels and resorts in 100 countries.

Start your application now

Best rewards matching

Discover it® - Cashback Match™
Signup bonus First year cash back match
Rewards overview 5% cash back at different places each quarter; 1% on all other purchases

Redeem for... eDeposit, statement credit, charitable donation, or Amazon purchases
Annual Fee $0
Highlights Provided by Discover Show Highlights
Card Highlights Provided by Discover:
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
  • Issuer: Discover
  • Rewards Details: 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. 1% cash back on all other purchases.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.99% Variable
  • Introductory APR: 0%
  • Introductory APR Period: 14 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 14 months
  • Ongoing APR: 11.99% - 23.99% Variable

Our two cents

Who should get it

Casual card users who like a little variety in their rewards categories as well as a great rewards match program will appreciate the Discover it® Cashback Match™ card. Among the best credit cards on this list, the Discover it® Cashback Match™ card features great perks including 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.

How to use it
  • Get a dollar-for-dollar match on cash back earned in your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Redeem cash back for any amount, any time (cash rewards don’t expire).
Consider this

A year can be a long time to wait for that dollar-for-dollar match offered by the Discover it® Cashback Match™ card. If you would rather have your reward sooner, you could go with the Barclaycard CashForward™ World Mastercard® (currently unavailable). With this card, you can get a $200 bonus just by spending $1,000 within the first 3 months.

Why you'll love it

There’s a lot to love about a credit card like the Discover it® Cashback Match™. It lets you redeem your cash back rewards without any fear of those rewards expiring. Plus, the dollar-for-dollar match at the end of the first year can be a real boon. Say you’ve earned $500 cash back within the first year. Suddenly you’re looking at $1,000 thanks to the cash back match.

Start your application now
Partner Offer Apply Now On American Express's secure website

Best airline credit card

Gold Delta SkyMiles® Credit Card from American Express
Signup bonus 30,000 bonus miles
Rewards overview 2 Miles/dollar on purchases made directly with Delta; 1 mile/dollar on all other eligible purchases. Terms apply.

Redeem for... Travel with Delta and 15+ travel partners
Annual Fee $95 (waived first year)
Highlights Provided by American Express Show Highlights
  • Earn 30,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 miles on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • Issuer: American Express
  • Rewards Details: Earn 2 miles on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Annual Fee: $0 introductory annual fee for the first year, then $95 See Details
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 16.74% - 25.74% Variable See Rates & Fees
  • Penalty APR: 29.99% Variable

Our two cents

Who should get it

Frequent flyers of Delta Airlines will want to look into the Gold Delta SkyMiles® Credit Card from American Express. Purchases made directly through Delta earn 2 miles per dollar spent. Combined with Priority Boarding, free bag checks, and other useful perks, the Gold Delta SkyMiles® Credit Card from American Express could be your quintessential traveling companion.

How to use it
  • Spend $1,000 in purchases within the first 3 months to earn 30,000 bonus miles
  • Earn 2X miles per dollar you spend on Delta travel purchases and 1X mile on all other eligible purchases.
  • Redeem your miles for travel with Delta or any of 15+ travel partners.
Consider this

If you don’t fly Delta and you don’t want an annual fee, then the Gold Delta SkyMiles® Credit Card from American Express might not be the right credit card for you. Those who prefer Southwest might consider the Southwest Rapid Rewards® Plus Credit Card, which earns unlimited 2X points per dollar spent on Southwest purchases Rapid Rewards® hotel and rental car purchases.

Why you'll love it

If you fly with Delta, this card offers perks that help you travel in style. Furthermore, the Gold Delta SkyMiles® Credit Card from American Express features a generous signup bonus that you can use to earn miles even faster to plan your next big getaway!

Start your application now

Best Cards of 2017: summed up

Additional credit card research

How do you know what card to apply for? If you’re looking for any easy way to compare the best credit cards, check out our search tool below:

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Credit card pro tips

Among the common questions we try to answer are “What are the benefits of a credit card” and “What are points on a credit card?” Both the former and the latter can vary based on which card you’re talking about, so we’ve done our best to cover these subjects in broader detail.

Hidden benefits

Although the best credit cards offer a slew of obvious benefits including cash back and travel rewards, other perks aren’t always advertised prominently. Examples include:

  • Zero liability for fraudulent purchases
  • $0 foreign transaction fees
  • Rental car coverage
  • Free FICO® Score
  • Extended warranties
  • Roadside assistance

You might have to dig deeper to find them, but these features can truly come in handy. If used correctly, they can even help you save money, travel safer, and protect yourself from undue risk.

Understanding points and other rewards

Rewards come in a variety of flavors — points, miles, cash back, etc. — and it always pays to understand how these rewards work from card to card. To do that, you’ll need to hit the fine print.

Take this for example: You might see that a particular airline card offers the first checked bag free on every flight. It’s a great perk, but without scrutinizing the fine print, you might not learn that cardholders also get checked baggage insurance, car rental loss and damage insurance, discounts on eligible in-flight purchases, or other goodies. If you aren’t aware of all the features, you probably won’t get the maximum benefit from even the best credit card.

Always treat your card like cash

Sometimes emergencies happen. We get it. But unless the situation is dire, you should never use available credit to justify making a purchase. Try your best to restrict card use to purchases that you can afford to pay off in the same month. Otherwise, you could seriously jeopardize your long-term financial health.

When should I pay off my credit card bill?

Always strive to pay your credit card balance in full by your statement due date. There’s no better way to build a solid credit history and healthy credit score.

Credit is a powerful tool when seasoned with self control, but left unbridled, it can wreak havoc on your financial future. Case in point: The average American household has . If your card has an 18% APR and you’re only making the minimum payment (usually around 3% of the total balance) you’ll rack up over $2,000 in interest charges every month and continue to lose ground.

Paying your credit card off in full also helps to keep your credit utilization ratio low. Your credit utilization ratio is the percentage of your available credit that you have used. Credit bureaus use this metric to gauge how responsible you are.

When it comes to credit utilization ratio, low is best. Credit cards can negatively affect your credit utilization if you continuously run large balances.

We recommend keeping your credit utilization for each credit card below 30%. You can track your credit utilization on your credit card with some simple math — (balance ÷ credit limit = ratio).

Pro tip

Most card issuers report your balance and activity to the credit bureaus once per month. The problem is that the report might be issued before your monthly statement is due. So even if you pay your card in full each month, it will appear to credit bureaus that your utilization ratio is higher than it actually is.

If you’re committed to keeping your credit utilization ratio low, call your credit card help line, ask when your credit activity is reported, and make sure to pay your balance before that date. (Paying off charges immediately isn’t a bad idea either.)

What credit card should I get?

It all comes down to your everyday spending habits. Ideally, you want a card that rewards those spending habits rather than one that forces you to adjust how you purchase things. These cards we’ve covered are some of the best on the market and a great place to start.

Further reading: Money360’s guide to choosing a budget.

Can you ask for a lower rate on your credit card?

Yes, you can. In fact, a of 952 American cardholders found that 69% of people who asked their credit card issuer for a lower interest rate were successful. What’s equally as interesting is that only 25% of people ever take the time to try.

Your interest rate isn’t the only thing you can haggle over. Late payments, annual fees, and credit limits are fair game too. Of all the survey participants who asked:

  • 87% got a late payment fee waiver
  • 69% got a lower interest rate
  • 89% got a higher credit limit
  • 82% had their annual fee waived or reduced

Here’s how to lower your interest rate

Negotiating better rates doesn’t have to be scary. Follow these three primary tactics to improve your chance of success:

  1. Leverage your loyalty. It’s simple: Companies are more willing to work with longtime customers. Your best play is with the company you’ve been doing business with the longest.

  2. Do your homework. Find a better deal and use it to your advantage. Credit card companies need your business. Remember: Over half of the people in the survey scored a better rate simply because they called and asked.

  3. Be persistent. You probably shouldn’t call day after day, but there’s nothing wrong with a little persistence. If at first you’re told “no,” ask to speak to a manager.

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The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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