Top Credit Cards of 2026
The best credit card is one that's best aligned with your specific needs. Our experts have reviewed and rated hundreds of options — from generous rewards and giant sign-up bonuses to long 0% APR periods and credit-building help — so you can find the perfect fit for 2026.
Top Picks
Credit Score
See website for Details
Annual Fee
$39
Rewards Rate
1%
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.99%
On WebBank's website
- 1% Unlimited Cash Back on Every Purchase, Everywhere MasterCard is accepted†
- No Limit on Monthly Rewards Earned
- Fast and easy application process
Show 6 more Show less
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Avant branded credit products are issued by WebBank
- Eligibility for a card is not guaranteed. Your eligibility for a card depends on the information you provide in your application
- ^See the Provider’s terms for more information
- † See the Rewards Terms and Conditions for more information
Credit Score
See website for Details*
Annual Fee
$75 - $125
Foreign Fee
3% of each transaction in U.S. dollars
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
35.90% Fixed
On Celtic Bank's website
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
Show 6 more Show less
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Credit Score
Annual Fee
$39
Rewards Rate
3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
On Capital One®'s website
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases with a $39 annual fee
- No rotating categories or limits to how much you can earn, and you can use your cash back for any amount–get gift cards, cover purchases or redeem for cash. Plus, rewards don’t expire for the life of the account
- Be automatically considered for a higher credit line in as little as 6 months
Show 7 more Show less
- Help strengthen your credit for the future with responsible card usage
- Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Capital One SavorOne cardholders can pay with their rewards via PayPal Pay with Rewards and at Amazon.com
- Top rated mobile app
Credit Score
Intro Offer
Earn $750 Cash Back
once you spend $6,000 on purchases within the first 3 months from account opening
Annual Fee
$0
Rewards Rate
1.5% Cash Back on every purchase
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
16.74% - 22.74% (Variable)
On Capital One®'s website
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
Show 6 more Show less
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- Top rated mobile app
Credit Score
Annual Fee
$175 the first year; $49 thereafter
Rewards Rate
1.5%
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.9%
On The Bank of Missouri's website
- Turn everyday purchases into 1.5% Cashback Rewards!
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
Show 4 more Show less
- No upfront security deposit required so you can keep more money in your pocket.
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- A rewards card for people with less than perfect credit!
Credit Score
Annual Fee
See Terms*
Rewards Rate
Up to 10%
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.99%*
On MRV Banks's website
- 2X Rewards Power – Up To 10% Cash Back when you buy and 1% Cash Back when you pay!^^
- An initial credit limit Up To $500 (See terms*)
- Opportunity to request credit limit increase after twelve months, fee applies.
Show 5 more Show less
- A Card That Works as Hard as You Do – Earn Up to 10% Cash Back Rewards at select merchants, 1% on Payments and Build¹ Your Credit Along the Way!^^
- Reports monthly to all three major credit bureaus.
- *See Rates, Fees, Costs & Limitations for complete offer details
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. Results vary.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See Revvi Rewards Programs Terms & Conditions for details.
Credit Score
Annual Fee
See Terms*
Rewards Rate
Up to 10%
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.99%*
On The Bank of Missouri's website
- Earn Up To 10% Cash Back on everyday shopping with your First Access Card - Plus, another 1% back on payments!^^
- An initial credit limit Up To $500! (See terms*)
- Rebuild your credit and get rewarded with First Access.¹
Show 4 more Show less
- Applying only takes a few minutes, and we will provide a credit response in 60 seconds or less.
- *See Rates, Fees, Costs & Limitations for complete offer details
- ¹Account holders who pay their bill on time every month and keep their balance low relative to their credit line, may build or rebuilt their credit.
- ^^1% Cash Back is earned on payments to your Credit Card. Up To 10% Cash Back is earned on qualifying purchases at select participating merchants. Offer percentages vary by merchant and are subject to change. See First Access Rewards Programs Terms & Conditions for details
Credit Score
Annual Fee
$250 the first year; $99 thereafter
Foreign Fee
1% of each transaction in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90%
On The Bank of Missouri's website
- Guaranteed $1,000 credit limit if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don't Have Perfect Credit? No Problem!
Show 4 more Show less
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
Credit Score
Annual Fee
$85-$175 first year, $229 thereafter
Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Foreign Fee
3% of each transaction amount in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
36% Fixed
On The Bank of Missouri's website
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard is Accepted
- No Security Deposit
Show 2 more Show less
- $0 fraud liability**
- Free access to your Credit Score† *See Program Terms for important information about the cash back rewards program. **Fraud liability subject to Mastercard rules. † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Credit Score
Intro Offer
25,000
online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Annual Fee
$0
Rewards Rate
1.5 points per $1 spent on everyday purchases
Foreign Fee
0%
Purchase APR
0%
Balance Transfer
0%
Regular APR
17.49% - 27.49% Variable APR on purchases and balance transfers
On Bank of America's website
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
Show 5 more Show less
- 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 travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.