Best Credit CardsPopular
Selected from 1,500+ credit cards for April 2024
Updated Apr 5, 2024Fact checked
By:John Kiernan, Credit Card Editor
|Apr 5, 2024
Reviewed by:Alina Comoreanu, Senior Researcher
Fact checked
The most popular credit cards are the Chase Sapphire Preferred® Card andIndigo® Mastercard® for Less than Perfect Credit. Out of 1,500+ offers, more people search for those popular credit cards online than any other general-purpose credit cards. Credit cards affiliated with major retailers such as Best Buy, Apple and Amazon also tend to be among the most popular credit cards because the brands themselves already have a loyal following.
11Most Popular Credit Cards
- Best Buy® Credit Card
- Apple Card
- Indigo® Mastercard® for Less than Perfect Credit
- Chase Sapphire Preferred® Card
- Chase Sapphire Reserve®
- Costco Anywhere Visa® Card by Citi
- Southwest Rapid Rewards® Premier Credit Card
- Shell Credit Card
- Chase Freedom Unlimited®
- OpenSky® Secured Visa® Credit Card
- Mission Lane Visa® Credit Card
Likecoolness, popularity can be pretty subjective. But WalletHub’s editors took a scientific approach to identify the most popular credit cards on the market. We analyzed user search patterns and application statistics to cut through marketing bluster and misplaced perceptions. And this led us to the most liked offers out there.
There are other ways of looking at this topic, too. The most popular credit card company is Chase, with 149.3 million cards in circulation. And Visa is the most popular credit card network, with 353 million cards in circulation (vs. Mastercard’s 319 million).
Just remember that the prom queen doesn’t usually end up being elected president. In other words, popularity isn’t always substantial, and the most popular credit cards aren’t always thebest credit cards. With that being said, you can learn more about the most popular cards in the most popular categories below.
WalletHub tracks 1,500+ credit cards (other sites only consider a much smaller number of cards, so they naturally miss a lot of great cards)
WalletHub picks the best credit cards overall (other sites pick the best cards from their advertising partners)
WalletHub uses a sophisticated card rating system to objectively find the best cards (other sites’ picks are influenced by their own biases)
WalletHub has 100% editorial independence (other sites just provide a billboard for advertisers)
WalletHub does not have a conflict of interest (other sites are biased due to promoting their own lending and banking offers)
WalletHub has 15+ years of credit card experience (other sites simply don’t have the same expertise)
WalletHub's best credit card picks and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. In addition, our editors follow a strict editorial policy. Some offers may come from WalletHub's advertising partners.WalletHub independently collected information forsome of the cards on this page.
14 Most Popular Credit Cards
Most Popular Credit Card for Travel Rewards
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.0
fees: 3.3
rewards: 4.0
cost: 4.0
Other Features: 5.0
Apply Now
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why it’s one of the most popular credit cards: Chase Sapphire Preferred is the most popular credit card for travel rewards because of its valuable bonus rewards. New cardholders who spend $4,000 within 3 months of opening an account get an initial bonus of 60,000 points. Sapphire Preferred also gives 1 - 5 points per $1 normally. Those perks more than offset the cost of the card’s $95 annual fee for frequent travelers.
Pros, Cons & More Details
Pros
- 60,000 points - initial bonus
- Up to 6.25% back when redeeming for travel
- No foreign transaction fees
Cons
- $95 Annual fee
- 1 point per $1 base earn rate
Rewards Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
Pros, Cons & Details
Most Popular Credit Card for Elite Rewards
Chase Sapphire Reserve®
Chase Sapphire Reserve®
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.4
User Reviews
3.3
Market Comparison
4.1
fees: 1.3
rewards: 4.8
cost: 4.8
Other Features: 0.0
Apply Now
Regular APR
22.49% - 29.49% (V)
Annual Fee
$550
Rewards Rate
1 - 10 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent
Regular APR
22.49% - 29.49% (V)
Annual Fee
$550
Rewards Rate
1 - 10 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent
Editors’ Thoughts
Why it’s one of the most popular credit cards: Chase Sapphire Reserve is the most popular credit card for luxury perks and rewards. New cardholders get an initial bonus of 60,000 bonus points for spending $4,000 in the first 3 months - worth $900 in travel through Chase. The Chase Sapphire Reserve® also gives 1 - 10 points per $1 spent on purchases, up to $300 in annual travel credits, and airport lounge access. Those perks can easily offset its $550 annual fee for big-spenders.
Pros, Cons & More Details
Pros
- Initial Bonus: 60,000 points
- $300 Annual Travel Credit
- Up To 15% Back On Hotels and Car Rentals
Cons
- High Annual Fee
- High APR
Rewards Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
- $300 Annual Travel Credit as reimbursem*nt for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
- Member FDIC
Pros, Cons & Details
Most Popular Credit Card for Cash Rewards
Chase Freedom Unlimited®
Chase Freedom Unlimited®
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
4.0
fees: 3.8
rewards: 3.4
cost: 4.7
Other Features: 0.0
Apply Now
Purchase intro APR
0% for 15 months
Transfer intro APR
0% for 15 months
Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
20.49% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 15 months
Transfer intro APR
0% for 15 months
Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
20.49% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why it’s one of the most popular credit cards: Chase Freedom Unlimited is one of the most popular credit cards on the market because of its $0 annual fee, generous rewards and 0% introductory APRs. Chase Freedom Unlimited also piggybacks on the popularity of its predecessor, Chase Freedom®, which is currently unavailable to new applicants. The "Freedom" brand name has long been the calling card for Chase, the nation’s largest credit card issuer by purchase volume, so it is no surprise that it still carries a lot of weight with "Unlimited" tacked onto the end.
Pros, Cons & More Details
Pros
- Earn rate: 1.5 - 5% cash back
- 0% for 15 months on purchases and balance transfers
- $0 annual fee
Cons
- Balance transfer fee
- Foreign transaction fee
- Potential for a high regular APR
Rewards Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Pros, Cons & Details
Most Popular Credit Card for Students
Discover it® Student Cash Back
Discover it® Student Cash Back
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Build Credit by Paying in Full Each Month (Students)"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.7
User Reviews
3.8
Market Comparison
3.8
fees: 5.0
rewards: 3.4
cost: 3.5
Other Features: 5.0
Apply Now
Purchase intro APR
0% for 6 months
Transfer intro APR
10.99% for 6 months
Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Rewards Rate
1 - 5% Cash Back
Accepted Credit
Fair, Limited History
Purchase intro APR
0% for 6 months
Transfer intro APR
10.99% for 6 months
Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Rewards Rate
1 - 5% Cash Back
Accepted Credit
Fair, Limited History
Editors’ Thoughts
Why it’s one of the most popular credit cards: Discover it® Student Cash Back has a $0 annual fee, gives 1 - 5% cash back on purchases, and doubles the rewards you earn the first year as an anniversary bonus. Besides, Discover is one of only a few major issuers that offer credit cards to users across the credit spectrum, from people with bad credit to students to those with excellent credit and loads of disposable income, so it makes sense that the company’s flagship student card is quite popular.
Pros, Cons & More Details
Pros
- First-year rewards doubled
- No annual fee
- No foreign-transaction fee
- Intro APR on purchases
Cons
- High regular APR
- No initial bonus
Rewards Details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
- Terms and conditions apply.
Pros, Cons & Details
Most Popular Credit Card for Warehouse Club Rewards
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi
2.8WalletHub Rating
WalletHub Rating
2.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.7
User Reviews
3.7
Market Comparison
2.4
fees: 5.0
rewards: 0.0
cost: 3.6
Other Features: 0.0
Apply Now
Regular APR
20.49% (V)
Annual Fee
$0
Rewards Rate
1 - 4% Cash Back
Accepted Credit
Excellent
Regular APR
20.49% (V)
Annual Fee
$0
Rewards Rate
1 - 4% Cash Back
Accepted Credit
Excellent
Editors’ Thoughts
Why it’s one of the most popular credit cards: Costco is an extremely popular brand, and the Costco Anywhere Visa® Card by Citi is the only Costco-branded credit card for consumers. You can use other Visa credit cards at Costco, too, but the Costco Credit Card is uniquely rewarding. It gives 2% cash back on Costco purchases, both in store and online, in addition to 1 - 4% cash back on other types of purchases. It also has a $0 annual fee.
However, one downside is that rewards are only paid out once per year. You also need excellent credit to get approved.
Pros, Cons & More Details
Pros
- $0 Annual Fee
- 1 - 4% Cash Back on Purchases
- No Foreign Transaction Fees
Cons
- No Initial Rewards Bonus
- In-Store Rewards Redemption Only
- High Regular APR
Rewards Details
- Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- *No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
Pros, Cons & Details
Most Popular Credit Card for No Credit
Mission Lane Visa® Credit Card
Mission Lane Visa® Credit Card
2.8WalletHub Rating
WalletHub Rating
2.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Improve Credit by Paying in Full Each Month"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
2.9
User Reviews
3.5
Market Comparison
2.7
fees: 2.8
rewards: 0.0
cost: 2.9
Other Features: 4.5
Apply Now
Regular APR
26.99% - 29.99% (V)
Annual Fee
$0 - $59
Accepted Credit
Fair, Limited History
Regular APR
26.99% - 29.99% (V)
Annual Fee
$0 - $59
Accepted Credit
Fair, Limited History
Editors’ Thoughts
Why it’s one of the most popular credit cards: The Mission Lane Visa® Credit Card is the most popular credit card available to people with no credit history. It accepts people with limited credit, gives nearly instant decisions to most applicants, and reports to the major credit bureaus. It can be inexpensive to own, too.
Pros, Cons & More Details
Pros
- Qualify with limited or no credit history
- Does not require security deposit
Cons
- Membership fees
- No rewards
- High regular APR
- Foreign fee
Rewards Details
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- See if you qualify instantly without harming your credit score
- Be automatically considered for a higher credit line in as few as 7 months
- Free, online credit score access for cardholders
- Instant decision on your application
- No interest on purchases when you pay in full and on time each month
- No security deposit required - get started today!
- Enjoy coverage from Visa
- Access your account anytime, anywhere with the mobile app
Pros, Cons & Details
Most Popular Secured Credit Card
OpenSky® Secured Visa® Credit Card
OpenSky® Secured Visa® Credit Card
3.3WalletHub Rating
WalletHub Rating
3.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.0
User Reviews
3.5
Market Comparison
3.2
fees: 3.0
rewards: 0.0
cost: 2.0
APR: 2.5
Other Features: 4.4
Apply Now
Regular APR
25.64% (V)
Annual Fee
$35
Accepted Credit
Limited History, Bad
Regular APR
25.64% (V)
Annual Fee
$35
Accepted Credit
Limited History, Bad
Editors’ Thoughts
Why it’s one of the most popular credit cards: The OpenSky Card is the most popular secured credit card because there is no credit check when you apply. That, combined with a low annual fee ($35), makes this card an excellent choice for rebuilding your credit, no matter how damaged it may be.
Pros, Cons & More Details
Pros
- Reasonable $35 annual fee
- As low as $150 minimum deposit
Cons
- 3% foreign transaction fee
Rewards Details
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Limited Time Offer: $50 funding voucher applied for all new accounts. Get a $200 credit line for $150. Click “Apply Now” to see additional terms and conditions.
- New feature! Earn up to 10% cash back on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Pros, Cons & Details
Most Popular Credit Card for Bad Credit
Indigo® Mastercard® for Less than Perfect Credit
Indigo® Mastercard® for Less than Perfect Credit
1.6WalletHub Rating
WalletHub Rating
1.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
2.0
User Reviews
3.4
Market Comparison
1.4
fees: 1.7
rewards: 0.0
cost: 0.2
APR: 0.0
Other Features: 5.0
Apply Now
Regular APR
35.9%
Annual Fee
See Terms
Accepted Credit
Bad
Regular APR
35.9%
Annual Fee
See Terms
Accepted Credit
Bad
Editors’ Thoughts
Why it’s one of the most popular credit cards: The Indigo Card is the most popular credit card for bad credit because it is a rare unsecured card for people with damaged credit that has a credit limit as high as $700.
Pros, Cons & More Details
Pros
- Qualify with bad credit
- Does not require security deposit
Cons
- High membership fees
- High regular APR
- Foreign fee
Rewards Details
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Now with higher credit limits
- Increase your access to available credit
- Higher limit than before, still no security deposit required!
- Greater access to credit than before
- Less than perfect credit is okay
- Mobile account access at any time
- Account history is reported to the three major credit bureaus in the U.S.
Pros, Cons & Details
Most Popular Mastercard
Apple Card
Apple Card
2.8WalletHub Rating
WalletHub Rating
2.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards (Store Cards)"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.5
User Reviews
3.3
Market Comparison
2.7
fees: 5.0
rewards: 1.8
cost: 2.7
Other Features: 0.0
Learn More
Purchase intro APR
0% for 6 - 24 months
Regular APR
19.24% - 29.49% (V)
Annual Fee
$0
Rewards Rate
1 - 3% Cash Back
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 6 - 24 months
Regular APR
19.24% - 29.49% (V)
Annual Fee
$0
Rewards Rate
1 - 3% Cash Back
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why it’s one of the most popular credit cards: The Apple Card is one of the most popular credit cards available because it’s affiliated with one of the most popular brands in the world. The Apple Card also has a $0 annual fee and good rewards on purchases: 1 - 3% cash back, depending on where you make the purchase and how you pay. Applicants need at least good credit for approval.
Pros, Cons & More Details
Pros
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- No foreign fee
Cons
- No initial rewards bonus
- No balance transfers allowed
- High regular APR
- Requires good/excellent credit
Rewards Details
- Every time customers use Apple Card with Apple Pay, they will receive 2% Daily Cash.
- Customers will also get 3% Daily Cash on all purchases made directly with Apple, including at Apple Stores, on the App Store and for Apple services. You also get 3% cash back on purchases you make at select merchants like Exxon, T-Mobile, Nike, Uber and more.
- Apple has also designed a titanium Apple Card for shopping at locations where Apple Pay is not accepted yet. For purchases made with the titanium Apple Card, customers will get 1% Daily Cash.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Apple Card gives customers easy-to-understand, real-time views of their latest transactions and balance right in Wallet, and Apple Card support is available 24/7 by simply sending a text from Messages.
- Equal Monthly Payment Financing: 0% APR for 6, 12 or 24 months on qualifying Apple purchases.
Pros, Cons & Details
Most Popular Credit Card for Small Business
Amazon Business American Express Card
Amazon Business American Express Card
2.3WalletHub Rating
WalletHub Rating
2.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Business - Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.4
Market Comparison
1.9
fees: 5.0
rewards: 0.0
cost: 2.6
Other Features: 0.0
Learn More
Regular APR
19.49% - 27.49% (V)
Annual Fee
$0
Rewards Rate
1 - 3 points / $1
Bonus Offer
$100
Accepted Credit
Excellent, Good
Regular APR
19.49% - 27.49% (V)
Annual Fee
$0
Rewards Rate
1 - 3 points / $1
Bonus Offer
$100
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why it’s one of the most popular credit cards: The Amazon Business American Express Card is the most popular business credit card in large part because of the retailer it’s affiliated with. The card also offers solid rewards, starting with an initial bonus offer of $100 Amazon.com gift card upon approval. In addition, cardholders earn 1 - 3 points per $1 on purchases normally.
Just make sure to use this card for its initial bonus offer and attractive ongoing rewards, not for financing purposes. Small business credit cards are subject to arbitrary interest rate increases, as they arenot governed by the CARD Act.
Pros, Cons & More Details
Pros
- No annual fee
- High rewards rate
- $100 initial rewards bonus
- No foreign fee
Cons
- Spending caps on rewards
- No intro APR on purchases
- No balance transfers allowed
- Requires good/excellent credit
Rewards Details
- Get a $100 Amazon.com Gift Card upon approval for the Amazon Business American Express Card
- Take advantage of earning 3 points per $1 spent (3% Back) or 60 Day Terms on U.S purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter.
- 2 points per $1 spent (2% Back) at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1 point per $1 spent (1% Back) on other purchases
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- All information about the Amazon Business American Express Card has been collected independently by WalletHub.
- With Enhanced data views Amazon Business purchases will be listed item by item so you can track business purchases at a glance.
- Enjoy exclusive prices and quantity discounts on more than 5 million products with Business-only pricing.
- Set up multi-user accounts, shared payment methods, approval workflows, and spending limits.
Pros, Cons & Details
Most Popular Hotel Credit Card
Marriott Bonvoy Boundless® Credit Card
Marriott Bonvoy Boundless® Credit Card
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Hotel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.4
User Reviews
3.6
Market Comparison
4.2
fees: 3.3
rewards: 4.4
cost: 4.5
Other Features: 0.0
Learn More
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
2 - 6 points / $1
Bonus Offer
3 Free Night Awards
Accepted Credit
Excellent, Good
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
2 - 6 points / $1
Bonus Offer
3 Free Night Awards
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why it’s one of the most popular credit cards: Marriott credit cards are the most popular hotel credit cards overall, and the Marriott Bonvoy Boundless Card figures to appeal to the most people. Among the card’s many perks are an initial bonus of 3 Free Night Awards for spending $3,000 in the first 3 months, 2 - 6 points per $1 in ongoing rewards, automatic Silver Elite status in the Marriott Bonvoy loyalty program, and a free night after each account anniversary. The Bonvoy Card has an annual fee of $95.
Pros, Cons & More Details
Pros
- Good initial bonus
- 1 free night per year
- Automatic Silver Elite status
- 6 points per $1 spent at Marriott
- No foreign transaction fees
Cons
- $95 annual fee
- Must redeem points for free nights to get full value
- High regular APR
Rewards Details
- Earn 3 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
- Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- 2X points for every $1 spent on all other purchases.
- Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- No foreign transaction fees.
Pros, Cons & Details
Most Popular Airline Credit Card
Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit Card
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Airline Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.3
User Reviews
3.8
Market Comparison
3.8
fees: 2.9
rewards: 4.2
cost: 4.1
Other Features: 0.0
Learn More
Regular APR
21.49% - 28.49% (V)
Annual Fee
$99
Rewards Rate
1 - 3 points / $1
Bonus Offer
50,000 points
Accepted Credit
Excellent, Good
Regular APR
21.49% - 28.49% (V)
Annual Fee
$99
Rewards Rate
1 - 3 points / $1
Bonus Offer
50,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why it’s one of the most popular credit cards: Southwest Airlines credit cards are the most popular airline credit cards on the market, in large part due to Southwest’s budget-friendly fares and the valuable rewards offered by the airline’s credit cards. And the Southwest Rapid Rewards Premier Card is the most popular Southwest credit card, given it’s reasonable annual fee ($99), solid initial bonus (50,000 points), and respectable ongoing rewards (1 - 3 points / $1).
Pros, Cons & More Details
Pros
- Attainable initial bonus
- 6,000-point annual anniversary bonus
- Strong earning rates for people who fly often and always with Southwest
Cons
- $99 annual fee
- High regular APR
Rewards Details
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 6,000 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- 2 EarlyBird Check-In® each year.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- No foreign transaction fees.
- Member FDIC
Pros, Cons & Details
Most Popular Gas Credit Card
Shell Credit Card
Shell Credit Card
2.3WalletHub Rating
WalletHub Rating
2.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Gas Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
2.9
User Reviews
3.5
Market Comparison
2.1
fees: 3.8
rewards: 1.8
cost: 2.0
Other Features: 0.0
Learn More
Regular APR
34.24% (V)
Annual Fee
$0
Rewards Rate
10 ¢ / gallon
Accepted Credit
Excellent, Good
Regular APR
34.24% (V)
Annual Fee
$0
Rewards Rate
10 ¢ / gallon
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why it’s one of the most popular credit cards: The Shell Credit Card is the most popular gas credit card because it offers relatively good rewards at one of the country’s largest and most popular gas station chains. It gives a discount of $0.10 - $0.30 per gallon of Shell gas charged to the card, along with rewards equal to 1% - 10% back on other purchases. The Shell Credit Card has a $0 annual fee and requires at least good credit for approval.
Pros, Cons & More Details
Pros
- No membership fees
- High rewards rate
- Bonus rewards categories
Cons
- Spending caps on rewards
- No initial rewards bonus
- No intro APR on purchases
- No balance transfers allowed
Rewards Details
- Save 30¢/gallon (up to 35 gallons) on your first 5 Shell fuel purchases made by 4/30/2025. Available to new accounts only. Apply by 12/31/2024.
- Save 10¢/gallon (up to 35 gallons) every time you fill up. Savings applied instantly at the pump at participating Shell locations.
- 10% Shell rebates on your first $1,200 Shell non-fuel purchases (per year).
- 2% Shell rebates on your first $10,000 in Dining and Groceries purchases (per year).
- 1% Shell rebates on other qualifying purchases.
- Rebates will be automatically redeemed by applying the rebates as a credit against Shell purchases made with your card in subsequent billing cycles.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- If you are approved for a Shell Credit Card, you will be automatically enrolled in the Fuel Rewards ® program and receive instant Gold Status.
Pros, Cons & Details
Most Popular Store Credit Card
Best Buy® Credit Card
Best Buy® Credit Card
3.4WalletHub Rating
WalletHub Rating
3.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards (Store Cards)"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.0
User Reviews
3.3
Market Comparison
3.3
fees: 5.0
rewards: 2.7
cost: 3.3
Other Features: 0.0
Learn More
Purchase intro APR
0% for 18 - 24 months
Regular APR
31.49% (V)
Annual Fee
$0
Rewards Rate
0.5 - 2.5 points / $1
Bonus Offer
10% back in rewards
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 18 - 24 months
Regular APR
31.49% (V)
Annual Fee
$0
Rewards Rate
0.5 - 2.5 points / $1
Bonus Offer
10% back in rewards
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why it's one of the most popular credit cards: The Best Buy Credit Card is the most popular store credit card because it offers great rewards on purchases from one of the most popular retail chains. Those rewards include at least 5% back on Best Buy purchases, and there is no annual fee.
Applicants will first be considered for the Best Buy Visa Card, which requires good credit at a minimum and can be used wherever Visa is accepted. If you are not approved for the Visa, you will be automatically considered for the Best Buy Store Card, which requires fair credit and can only be used at Best Buy.
Pros, Cons & More Details
Pros
- No membership fees
- High rewards rate
- 10% back in rewards initial rewards bonus
- No foreign fee
Cons
- No intro APR on balance transfers
- Balance transfer fee
- Requires good/excellent credit
Rewards Details
- Get 5 points per $1 spent (10% back in rewards) on your first day of purchases made on the credit card within 14 days of account opening.
- Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit.
- Get 1.5 Points per $1 spent (3% back in rewards) on net purchases made at gas stations.
- Get 1 point per $1 spent (2% back in rewards) on net purchases made at restaurants, bars and grocery stores. Plus, 1 point per $2 spent (1% back in rewards) on net purchases made with your credit card outside Best Buy.
- Choose 5% back in rewards or flexible financing options. Get a $5 reward certificate for every 250 points.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Deferred Interest Details: No Interest if paid in full within 18 months on appliance and grill purchases of $599 or more.
- Deferred Interest Details: No Interest if paid in full within 18 months on yardbird purchases of $999 or more.
- Deferred Interest Details: No Interest if paid in full within 24 months on unlocked phones purchases of $649 or more.
- Deferred Interest Details: No Interest if paid in full within 24 months on select exercise equipment purchases of $799 or more.
- Deferred Interest Details: No Interest if paid in full within 24 months on home theater purchases of $999 or more.
- If you do not qualify for the My Best Buy™ Credit Card account, Citibank may consider you for a My Best Buy™ Credit Card Preferred account, a My Best Buy™ Store Card account, and a My Best Buy™ Visa® Gold account in that order, based on your creditworthiness.
Pros, Cons & Details
Most Popular Credit Cards FAQ
Finding the best credit card can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.
Most Popular
7
Upvotes
What are the 4 major credit card companies?
Reply
7
@Joseph_David_1
@Joseph_David_1
The four major credit card companies in the U.S. are Visa, Mastercard, American Express and Discover. Visa and Mastercard are the most widely accepted card networks in the world, while American Express and Discover also double as issuers, actually extending credit to applicants.
The Four Major Credit Card Companies Compared
Network | Cards in Circulation | U.S. Acceptance | International Acceptance |
American Express | 48.4 million cards | 10.6 million merchants | 160+ countries/territories |
Discover | 61 million cards | 10.6 million merchants | 200 countries/territories |
Mastercard | 266.3 million cards | 10.7 million merchants | 210+ countries/territories |
Visa | 312.2 million cards | 10.7 million merchants | 200+ countries/territories |
A credit card network's primary role is to process credit card and debit card transactions between the banks that issue cards on that network and the merchants who accept those cards as payment. This includes setting up payment systems and charging merchants interchange fees for processing those transactions.
Credit card networks also provide certain benefits, such as travel insurance, purchase protection, and extended warranties, among others. However, credit card issuers ultimately decide which network benefits to include on their credit cards.
You can learn more about the biggest credit card companies and major credit cards on WalletHub.
6
Upvotes
What is considered a "major credit card"?
Reply
6
WalletHub
@WalletHub
Major credit cards are any cards that belong to one of the big four credit card networks: Visa, Mastercard, American Express and Discover. That's what stores mean by “we accept all major credit cards.” A major credit card will almost always show the logo of its network on the front. In some cases it'll be on the back. If a card doesn't have such a logo, it's likely a store card that can only be used at a...
show more
5
2
View more answers
18
Upvotes
What is the most widely accepted credit card?
Reply
18
WalletHub
@WalletHub
Visa and Mastercard are the most widely accepted credit cards, as both types can be used at 35+ million locations in 200+ countries and territories. If you're looking for a card to use abroad, our pick for the best credit card for international travel is the Chase Sapphire Preferred Visa Card because of its bonus rewards.
Mastercard is accepted in more countries than Visa, yet roughly 7 million more merchants worldwide take Visa. Both have a claim to the title of...
show more
8
38
Upvotes
Why is Chase Sapphire Preferred so popular?
Reply
38
Theresa Chalfant, Writer
@theresa_chalfant
The Chase Sapphire Preferred Card is so popular because it offers valuable bonus rewards, travel benefits, and numerous transfer partners. You could earn roughly $2,000 in net rewards from the Chase Sapphire Preferred card in two years, factoring in the $95 annual fee, according to WalletHub calculations.
Benefits of the Chase Sapphire Preferred® Card
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Potential drawbacks include the annual fee and an APR of 21.49% to 28.49% (V), which is higher than average among cards for good to excellent credit. However, if...
show more
2
Upvotes
What are the safest credit card companies?
Reply
2
2
Upvotes
Why is Amex so popular?
Reply
2
Chip Lupo, Credit Card Writer
@CLoop
Amex is so popular because it offers high-end credit cards with great rewards and luxury perks, which have become status symbols in popular culture over time. For example, the American Express Platinum card and the invitation-only Centurion® Card from American Express are among the most prestigious credit cards available. Amex cards aren't exactly easy to get, but that has only made them more popular with consumers who are looking for a sense of exclusivity and prestige.
In addition, nearly all Amex cards have...
show more
1
1
Upvote
What is a reliable credit card?
Reply
1
Upvotes
What is the most popular credit card company?
Reply
Theresa Chalfant, Writer
@theresa_chalfant
The most popular credit card company is Chase, with nearly 150 million cards in circulation that are accepted across the U.S. and around the world. With over $150 billion in outstanding balances, Chase makes up about 16.5% of the U.S. credit card market.
Most Popular Credit Card Companies
- Chase
- American Express
- Citibank
- Capital One
- Bank of America
Chase is a credit card issuer, which in most cases is separate from...
show more
Upvotes
What is the most common credit card?
Reply
Theresa Chalfant, Writer
@theresa_chalfant
The most common credit cards are Visa cards, followed closely by Mastercard, based on the number of cards each network has in circulation. Both networks have hundreds of millions of cards from a variety of issuers and are the most widely accepted both in the U.S. and worldwide.
These credit cards aren't issued by Visa and Mastercard themselves, however. Many different banks and credit unions handle that. The most common credit card issuer is...
show more
Upvotes
What are the two most popular credit card companies?
Reply
Theresa Chalfant, Writer
@theresa_chalfant
The two most popular credit card companies in the U.S. are Chase and Capital One, based on the number of cards they have in circulation. These banks both offer a wide variety of credit cards with competitive rewards and benefits, making their cards popular choices among consumers. Both companies have over 100 million credit cards in circulation currently.
Both banks offer cards that are part of the Visa or Mastercard networks. Visa and Mastercard make up the majority of credit cards in the U.S., and are accepted virtually everywhere, but these networks don't issue credit cards themselves. Chase and Capital One are among the major banks that issue Mastercard and Visa cards.
Best Chase and Capital One Cards
Best Overall:Chase Sapphire Preferred® CardChase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website- Travel Rewards:Capital One Venture Rewards Credit CardCapital One Venture Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Cash Back:Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Beginners:Chase Freedom Rise℠Chase Freedom Rise℠Learn MoreLearn Moreon issuer's website
- Students:Capital One SavorOne Student Cash Rewards Credit CardCapital One SavorOne Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Business:Capital One Spark 2% Cash PlusCapital One Spark 2% Cash PlusLearn MoreLearn More
Chase in particular offers several of the most popular credit cards, though there are also popular cards that aren't issued by the major banks, and some that are affiliated with popular brands.
