Which is the best credit card?
Everyone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:
- If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
- If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
- The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?
See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:
- Check out our Low Interest Credit Cards page if your priority is a low interest rate.
- Check out our Rewards Credit Cards page if you pay off your balance each month and want a credit card with the best general reward options. (Or Cash Rebate Credit Cards if it’s all about the money.)
- If you have to gas up often and gas prices are getting you down, a specific Gasoline Credit Card might be the best card for you.
- If you have a large balance sitting on a credit card you currently own, the best credit card for you might be one that lets you park your balance at a 0% interest rate for a good long time. See our 0% Balance Transfer Credit Cards page. (You might also check out cards that offer zero percent interest rates on purchases for an introductory period.)
- If you have a poor credit history, your best bet might be to check out our pages that feature decent options for Unsecured Credit Cards or Secured Credit Cards for those with bad credit.
Our favorite type of reward card is one that gives you a rebate in cold, hard cash. Sure, it’s nice to get travel rewards or gift cards, but in our book the best option is to get cash that you can use any way you want. Below we list some of the best cash rebate credit cards currently on the market, all offering at least 1% cash back, but usually more.
Computer and electronics retailer Micro Center 
If you have a Rooms To Go credit card issued by TD Bank or Synchrony Bank (formerly GE Capital Retail Bank), below you’ll find all of the information you need to make a payment online or by mail, or to reach customer service to get help:
If you have a credit card from Credit One Bank, here’s all the information you’ll need to access your account online, get your bill paid, or to reach a Credit One customer service representative by phone:
Speedway gas stations, in partnership with First Bankcard / First National Bank of Omaha, 
The Mills Fleet Farm Visa is issued in partnership with US Bank, and it is US Bank you will interact with in order to pay your bill online or by mail, or to get customer service assistance. Below you’ll find info you need to complete any of these tasks:
Below is a list of credit cards that offer zero percent interest rates on new purchases AND balance transfers for at least 12 billing cycles. Note that after the zero percent period the rate changes back to the higher, “normal” rate offered by that card. Also understand that most 0% balance transfer offers include a balance transfer fee. All of these cards have no annual fee.
Synchrony Bank (formerly GE Capital Retail Bank) is the bank that is “really” behind many of the most popular retail credit cards out there. This means that if you have one of these cards, it is Synchrony Bank that is extending you credit and it is Synchrony you will be dealing with in the future, not the company whose name is on the front of the card. Synchrony Bank credit cards include:
Major League Baseball, in partnership with Bank of America, offers MLB credit cards for every team. You actually have a choice between two credit cards that show your team’s logo and offer differing rewards programs.
If you are an American Express Card holder, below is all the information you need to access your account online, get your bill paid, or to reach an American Express customer service representative by telephone. (NOTE: If you’ve reached this page via a search engine, you are NOT on the American Express Web site; do not ask us for info on your account!)
American Express and McDonald’s announced today that American Express Membership Rewards points will soon be accepted for direct purchases at the McDonald’s counter, and indirectly for drive-thru purchases.
Closeout retailer Big Lots does indeed offer a credit card to its customers, but you won’t find much about it online.