Find The Best Credit Cards

This guide reviews a wide range of credit card products from travel and cash rewards to balance transfers and bonuses.

Sifting through available credit card options can be painful and confusing. We’ve tried to simplify your search by pulling together reviews as well as highlighting the various differences and benefits. If you’re looking to reduce your debts, you should consider ReadyForZero’s free personal debt management tools. If you’re interested in reducing your monthly payments and consolidating your higher-interest debts, you should consider a debt consolidation loan.

Advertiser Disclosure

A majority of the offers that appear on this website are from companies from which ReadyForZero receives compensation.

Although we try to remain as objective as possible, this compensation can occasionally impact which products and offers we review or where and how they are displayed on these pages. We try to be as comprehensive as possible with our product reviews but we cannot review every product or offer available on the market. Please contact us at support@readyforzero.com if there is a product or offering you think should be reviewed by our personal finance experts.

What type of credit card are you looking for?



Best Rewards Credit Cards

These credit cards are particularly valued by customers who pay off their balance each month and want to get rewards or other benefits for being a cardmember. Unlike other card products, these rewards cards occasionally have annual member fees.


Barclaycard® Rewards MasterCard®

Barclaycard® Rewards MasterCard®

Annual Rate: 24.99% variable
Annual Fee: $0

Apply For This Card

Highlights to Consider Based On Our Review
  • Ok for average (or slightly below) credit score applicants who are looking for basic rewards, average interest rates can be high depending on your credit
  • No annual fees or limit on reward points that can be earned
  • Receive reward points 2 award points for gas, grocery and utility purchases, 1 point for other purchases
  • Track your FICO score for free as an active cardmember
  • If you are new to rewards cards and don’t have excellent credit, consider this card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Annual Rate: 15.99% variable
Annual Fee: $0 first year, $95 annually after

Apply For This Card

Highlights to Consider Based On Our Review
  • Applicants will need excellent credit to be approved
  • Receive 1% rewards on all purchases, 2x points for food and traveler
  • No foreign transaction fees, great card for international travelers
  • This card is made of metal and is chip-enabled, it looks and feels like no other card we’ve reviewed before
  • Limited liability for fraudulent charges you didn’t authorize
  • Auto rental collision waiver covers you while you are renting a vehicle
  • Return and purchase protection for anything you buy with the card
  • No annual fee the first year only, thereafter the annual fee to maintain the card is $95 but if you’re able to utilize the rewards benefits for this card you should get a great value

USAA Rewards® World MasterCard®

USAA Rewards® World MasterCard®

Annual Rate: 9.99%-25% variable
Annual Fee: $0

Apply For This Card

Highlights to Consider Based On Our Review
  • Lower annual interest than other rewards cards, this may vary depending on your credit
  • Receive 0.45%-1.25% cash back on purchases depending on your spending
  • No limit on the amount of rewards you can earn
  • There is a 3% fee on balance transfers and cash advances
  • No annual fee to maintain, rewards benefits are basic compared to other similar cards

Best Travel Credit Cards

Similar to general rewards credit cards, these cards provide members with benefits primarily for travel. These benefits can include miles that can be used for airline tickets or hotel discounts among other benefits.


Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Annual Rate: 12.99%-22.99 variable
Annual Fee: $0 first year, $59 annually after

Apply For This Card

Highlights to Consider Based On Our Review
  • Applicants for this card need to have excellent credit
  • Sign up bonus includes 40,000 miles (a ~$400 value)
  • No limits or expiration for rewards you earn
  • Receive 2x miles for every dollar purchased
  • Includes access to Capital One’s Credit Tracker
  • No foreign transaction fees while traveling internationally
  • As with other credit products, be sure to make your bill payments on-time to avoid additional fees

Discover it® Miles Credit Card

Discover it® Miles Credit Card

Annual Rate: 0% intro rate, 10.99%-22.99% variable after
Annual Fee: $0

Apply For This Card

Highlights to Consider Based On Our Review
  • Receive 1.5x (or more) for every dollar you spend on purchases
  • No annual fee
  • No foreign transaction fee
  • No blackout dates, use any airline
  • First year miles you have earned are doubled
  • Access to your FICO score to monitor your credit
  • Introductory rates for the first year, good if you plan not to carry an account balance and pay in-full each month

BankAmericard Travel Rewards® Credit Card

BankAmericard Travel Rewards® Credit Card

Annual Rate: 0% intro rate, 14.99%-22.99% variable after
Annual Fee: $0

Apply For This Card

Highlights to Consider Based On Our Review
  • Online bonus of 10,000 points ($100 value for travel, requires $500 initial purchase using the card)
  • No annual fee
  • No foreign transaction fee
  • Receive up to 1.5 points for every $1 you spend
  • No limits on the total number of points you can earn and no blackout dates when applying rewards
  • Introductory rates apply for the first year only, you will need to track your interest rate after this initial period

Best Low Interest & Balance Transfer Credit Cards

If you are looking for the best available options for carrying a balance, these cards have the lowest interest rates and will cost you less money in interest to use over time. If you need access to capital and don’t want to get stuck with high interest rates, consider these options. Many of these cards are also good options if you’re looking to transfer an existing balance from a card that has a higher interest rate just make sure to read the fine print in and around transfer fees. Alternatively, if you’re looking to simply reduce your debt burden consider using ReadyForZero instead.


Chase Slate®

Chase Slate®

Annual Rate: 0% intro rate, 12.99%-22.99% variable after
Annual Fee: $0

Apply For This Card

Highlights to Consider Based On Our Review
  • Named "Best Credit Card for Balance Transfers" two years in a row by MONEY Magazine
  • No balance transfer fee if your balance is transferred within 60 days of opening, expect a 3% fee after 60 days
  • 15 months with an introductory 0% rate
  • No annual fee
  • Free monthly FICO score and credit dashboard
  • Good option for balance transfers

Citi Simplicity® Card

Citi Simplicity® Card

Annual Rate: 0% intro rate for 21 months, 12.99%-22.99% variable after
Annual Fee: $0

Apply For This Card

Highlights to Consider Based On Our Review
  • Extended introductory interest rate period of 21 months
  • 3% balance transfer fee
  • No late fees
  • No annual fee
  • Good basic balance transfer with a longer than typical introductory period

Discover it® Double Cash Back

Discover it® Double Cash Back

Annual Rate: 0% intro rate for 18 months, 10.99%-22.99% variable after
Annual Fee: $0

Apply For This Card

Highlights to Consider Based On Our Review
  • 18 months with 0% introductory rate on balance transfers, 3% balance transfer fee
  • Up to 5% cashback within specific categories
  • Double cashback first year
  • No annual fee
  • Good basic balance transfer or lower interest credit card with rewards
© 2016 Avant RFZ LLCPrivacy Policy  Terms of Use