3 of 2018’s Best Credit Cards

A senior woman holds up a credit card
Photo by Kues / Shutterstock.com

They say there’s no such thing as a free lunch, but if you carry the right plastic, you might earn free lunches. You might also get free flights, free hotels, free cash back and interest free loans. The key is finding the credit card that gives you the biggest bang for the bucks you’re already spending.

For a full list of every kind of credit card, see the Credit Card page of our Solutions Center. But here are 3 cards that recently caught our eye. See how they compare to what’s now in your wallet.

Best travel card: Capital One® Venture

Capital-One-Venture

Why it’s best: This card has it all: 2 points for every dollar spent, a 50,000-point signup bonus (worth $500 of travel) no foreign transaction fees and no annual fee for the first year. Note, however, that you have to spend $3,000 within the first three months to get the bonus, and the annual fee after year one is $95. Still, if you travel, charge a lot and pay off your balance every month, this one is hard to beat.

The details:

  • Higher bonus than usual for this card: 50,000 bonus points after you spend $3,000 within the first three months
  • Earns 2x miles for every $1 spent with no caps
  • No foreign transaction fees
  • Redeem your rewards on any airline or hotel with no blackout dates
  • $0 intro annual fee for the first year, $95 after that
  • You must have excellent credit
Click here for further details and to compare this card.

Best cash-back card: Capital One® Quicksilver

Capital One Quicksilver

Why it’s best: Most cash-back cards give you 1 percent back on purchases; this one gives you 1.5 percent. That’s 50 percent more free money. It also gives you a cash bonus, and you only have to spend $500 within three months to get it. Finally, there’s no annual fee.

The details:

  • Earn unlimited 1.5 percent cash back on every purchase
  • $150 cash bonus after you spend $500 on purchases within your first three months
  • Get 50 percent back as a statement credit to your monthly Spotify Premium subscription, now through April 2018
  • No annual fee
  • No foreign transaction fee
  • You must have good-to-excellent credit
Click here for further details and to compare this card.

Best zero percent card: Amex EveryDay®

Amex Everyday

Why it’s best: If you’re carrying a balance, finding a card with a zero percent interest rate is a no-brainer way to pay it off a lot faster. Unfortunately, there’s often a hefty fee to transfer an existing high-interest balance to a zero-interest card. But not this one. As long as you transfer your existing balance within 60 days, Amex doesn’t charge a transfer fee, and the zero percent interest lasts 15 months.

The details:

  • Transfer balances for $0 fee during the first 60 days after account opening
  • Both purchases and balance transfers get a zero percent introductory APR for 15 months
  • No annual fee
  • 10,000 rewards points after using the card to make $1,000 in purchases in the first three months
  • You must have good-to-excellent credit
Click here for further details and to compare this card.

Got a great credit card you’d like to crow about? Tell us about it in the comments below or on our Facebook page!

Editor’s note: One of the ways we keep the lights on around here is with referral fees, so we might make a buck or two when you sign up for these cards. But we never let that influence our judgment. You’ll always get our honest advice.

How to find cheaper car insurance in minutes

Getting a better deal on car insurance doesn't have to be hard. You can have The Zebra, an insurance comparison site compare quotes in just a few minutes and find you the best rates. Consumers save an average of $368 per year, according to the site, so if you're ready to secure your new rate, get started now.

Read Next
5 Common Medical Expenses That Medicare Won’t Pay For
5 Common Medical Expenses That Medicare Won’t Pay For

Don’t let these health care costs catch you off guard in retirement.

Have You Heard of This Best Place to Retire in 2020?
Have You Heard of This Best Place to Retire in 2020?

The best place to retire in America is one you likely are not familiar with.

5 Reasons You Should Work for as Long as You Live
5 Reasons You Should Work for as Long as You Live

These benefits might make you think twice about retirement.

10 Ways Anyone Can Earn More Income
10 Ways Anyone Can Earn More Income

Looking for additional cash? Here are a bunch of options that are accessible to anyone with internet access.

11 Home Upgrades With the Best Payback in 2020
11 Home Upgrades With the Best Payback in 2020

The home remodeling projects that deliver the best bang for the buck tend to have one thing in common.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
Will I Get My Ex-Husband’s Social Security When He Dies?
Will I Get My Ex-Husband’s Social Security When He Dies?

Two factors determine how much money is coming to you.

7 Ways to Boost Your Credit Score Fast
7 Ways to Boost Your Credit Score Fast

Your financial security might soon depend upon the strength of your credit score.

21 Things You Should Always Buy at a Dollar Store
21 Things You Should Always Buy at a Dollar Store

Dollar stores have great bargains on these familiar purchases. Yes, even pregnancy tests.

13 Brilliant Bulk-Buy Items on Amazon
13 Brilliant Bulk-Buy Items on Amazon

Every household should have these products on hand. Buying them in bulk on Amazon saves you cash.

5 Household Disinfectants That Can Destroy the Coronavirus
5 Household Disinfectants That Can Destroy the Coronavirus

You likely already have some of these products at home.

6 Reasons I Will Never Trust Suze Orman
6 Reasons I Will Never Trust Suze Orman

Beware: The self-proclaimed personal finance expert has a track record that suggests more sizzle than steak.

20 Things That Are Actually Worth Stockpiling
20 Things That Are Actually Worth Stockpiling

You probably don’t need a year’s supply of toilet paper to survive an outbreak, but consider stocking up on these items.

America’s Most Reliable Appliance Brand Is a Surprise
America’s Most Reliable Appliance Brand Is a Surprise

Have you heard of this appliance manufacturer?

This Type of Social Security Benefit Is Often Overlooked
This Type of Social Security Benefit Is Often Overlooked

The Social Security Administration is not helping certain people get money to which they are entitled, a report says.

Getting These 2 Shots Could Reduce Your Risk of Dementia
Getting These 2 Shots Could Reduce Your Risk of Dementia

These vaccines may lower the risk of Alzheimer’s disease by up to 40%.

9 Everyday Problems You Can Solve With Vaseline
9 Everyday Problems You Can Solve With Vaseline

Forget expensive specialty products. Good ol’ petroleum jelly can address many common annoyances.

8 Things That Are Free in August
8 Things That Are Free in August

As summer enters the home stretch, we’ve rounded up these sizzling freebies.

16 Amazon Purchases That We Are Loving Right Now
16 Amazon Purchases That We Are Loving Right Now

These practical products make everyday life a little easier.

19 Purchases That Buyers Almost Always Regret
19 Purchases That Buyers Almost Always Regret

Think twice before buying these things.

19 High-Paying Jobs You Can Get With a 2-Year Degree
19 High-Paying Jobs You Can Get With a 2-Year Degree

These jobs pay more than the typical job in the U.S. — and no bachelor’s degree is required.

7 Tips for Building an Emergency Stockpile
7 Tips for Building an Emergency Stockpile

A pandemic or natural disaster could leave you reliant on your existing food supply. Is your pantry prepared?

8 of the Worst Things to Buy at a Dollar Store
8 of the Worst Things to Buy at a Dollar Store

Not everything sold at dollar stores is a great bargain or a safe purchase. Here’s our list of products to avoid.

41 Things You Should Never Buy
41 Things You Should Never Buy

Some purchases are just plain dumb. Give yourself — and your budget — a break. Don’t spend money on this stuff.

Homeowners Say These 2 Kitchen Appliance Brands Are Best
Homeowners Say These 2 Kitchen Appliance Brands Are Best

One brand takes five of the top honors, while another ranks highest in three categories.

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.