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Top 10 Best Credit Cards
Welcome to the Credit Card Piki, the best place to decide between credit cards. A credit card allows consumers to purchase products and services without having to immediately pay for them. This Piki makes use of more than 2,300 facts about 75 credit cards. Sort and filter these credit cards according to your preferences using the options on the left. Whether you're looking for credit cards for people with no credit, credit cards for first time users or something else entirely, we have you covered.
You are currently viewing the best credit cards. We stack everything according to PikiRank, which measures each item's performance for all users combined. If you're looking for a good bet, pick an item near the top.
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Independent, Unbiased, Fact-Based Rankings
Selected Preferences Overall: Best
Citi Forward Card for College Students
The Citi Forward Card for College Students is a free credit card that offers balance transfers allowed, rewards redeemable for air travel, rewards redeemable everywhere (cash back) and roadside assistance included. It offers zero initial APR, this rate stays constant over only a short introductory period and the purchase APR is commensurate with the market average. It is only available to those with good credit.
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Purchase APR: 12.99%
Given that users looking for the best overall credit cards prefer lower values for purchase APR, Citi Forward Card for College Students achieves 45% performance in this category.
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Rewards: Rewards Redeemable Everywhere (Cash Back), Rewards Redeemable at Hotels, Rewards Redeemable for Air Travel, Dollars Earned Anywhere (Per $100 Spent) - $1, Annual Reward Bonus - $12
Citi Forward Card for College Students achieves 89% performance for rewards.
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Costs and Fees: Annual Fee (Subsequent Years) - $0, Balance Transfers Allowed
Citi Forward Card for College Students achieves 46% performance for costs and fees.
Citi Diamond Preferred Rewards Card
The Citi Diamond Preferred Rewards Card is a free credit card that offers balance transfers allowed, rewards redeemable for air travel, rewards redeemable everywhere (cash back) and roadside assistance included. It offers zero initial APR and the purchase APR is commensurate with the market average. It is only available to those with sterling credit.
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Purchase APR: 12.99%
Given that users looking for the best overall credit cards prefer lower values for purchase APR, Citi Diamond Preferred Rewards Card achieves 45% performance in this category.
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Rewards: Rewards Redeemable Everywhere (Cash Back), Rewards Redeemable at Hotels, Rewards Redeemable for Air Travel, Dollars Earned Anywhere (Per $100 Spent) - $1, Annual Reward Bonus - $0
Citi Diamond Preferred Rewards Card achieves 93% performance for rewards.
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Costs and Fees: Annual Fee (Subsequent Years) - $0, Balance Transfer Fee - 0%, Balance Transfers Allowed
Citi Diamond Preferred Rewards Card achieves 50% performance for costs and fees.
Escape by Discover Card
The Escape by Discover Card is a moderately priced credit card that offers balance transfers allowed, rewards redeemable for air travel and rewards redeemable everywhere (cash back). It offers zero initial APR, this rate stays constant over only a very short introductory period and the purchase APR is commensurate with the market average. It is only available to those with sterling credit.
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Purchase APR: 11.99%
Given that users looking for the best overall credit cards prefer lower values for purchase APR, Escape by Discover Card achieves 49% performance in this category.
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Rewards: Rewards Redeemable Everywhere (Cash Back), Rewards Redeemable at Hotels, Rewards Redeemable for Air Travel, Dollars Earned Anywhere (Per $100 Spent) - $2, Annual Reward Bonus - $120
Escape by Discover Card achieves 100% performance for rewards.
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Costs and Fees: Annual Fee (Subsequent Years) - $60, Balance Transfer Fee - 3%, Balance Transfers Allowed
Escape by Discover Card achieves 81% performance for costs and fees.
Citi MtvU Platinum Select Visa Card for College Stud...
The Citi mtvU Platinum Select Visa Card for College Students is a free credit card that offers balance transfers allowed, rewards redeemable for air travel and rewards redeemable everywhere (cash back). It offers zero initial APR, this rate stays constant over only a short introductory period and the purchase APR is commensurate with the market average. It is only available to those with good credit.
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Purchase APR: 12.99%
Given that users looking for the best overall credit cards prefer lower values for purchase APR, Citi mtvU Platinum Select Visa Card for College Students achieves 45% performance in this category.
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Rewards: Rewards Redeemable Everywhere (Cash Back), Rewards Redeemable at Hotels, Rewards Redeemable for Air Travel, Dollars Earned Anywhere (Per $100 Spent) - $1, Annual Reward Bonus - $0
Citi mtvU Platinum Select Visa Card for College Students achieves 78% performance for rewards.
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Costs and Fees: Annual Fee (Subsequent Years) - $0, Balance Transfer Fee - 3%, Balance Transfers Allowed
Citi mtvU Platinum Select Visa Card for College Students achieves 87% performance for costs and fees.
Chase Freedom Credit Card
The Chase Freedom Credit Card is a free credit card that offers balance transfers allowed and rewards redeemable everywhere (cash back), but doesn't offer rewards redeemable for air travel. It offers zero initial APR, this rate stays constant over only a very short introductory period and the purchase APR is commensurate with the market average. It is only available to those with good credit.
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Purchase APR: 12.99%
Given that users looking for the best overall credit cards prefer lower values for purchase APR, Chase Freedom Credit Card achieves 45% performance in this category.
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Rewards: Rewards Redeemable Everywhere (Cash Back), Dollars Earned Anywhere (Per $100 Spent) - $1, Annual Reward Bonus - $0
Chase Freedom Credit Card achieves 84% performance for rewards.
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Costs and Fees: Annual Fee (Subsequent Years) - $0, Balance Transfer Fee - 3%, Balance Transfers Allowed
Chase Freedom Credit Card achieves 44% performance for costs and fees.
No Hassle Cash Rewards Credit Card for Young Adults
The No Hassle Cash Rewards Credit Card for Young Adults is a moderately priced credit card that offers balance transfers allowed, rewards redeemable everywhere (cash back) and roadside assistance included, but doesn't offer rewards redeemable for air travel. It offers zero initial APR and the purchase APR is very high. It is only available to those with good credit.
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Purchase APR: 17.90%
Given that users looking for the best overall credit cards prefer lower values for purchase APR, No Hassle Cash Rewards Credit Card for Young Adults achieves 25% performance in this category.
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Rewards: Rewards Redeemable Everywhere (Cash Back), Dollars Earned Anywhere (Per $100 Spent) - $1, Annual Reward Bonus - $0
No Hassle Cash Rewards Credit Card for Young Adults achieves 61% performance for rewards.
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Costs and Fees: Annual Fee (Subsequent Years) - $39, Balance Transfer Fee - 0%, Balance Transfers Allowed
No Hassle Cash Rewards Credit Card for Young Adults achieves 92% performance for costs and fees.
Citi Dividend Platinum Select Card for College Students
The Citi Dividend Platinum Select Card for College Students is a free credit card that offers balance transfers allowed, rewards redeemable everywhere (cash back) and roadside assistance included, but doesn't offer rewards redeemable for air travel. It offers zero initial APR, this rate stays constant over only a short introductory period and the purchase APR is commensurate with the market average. It is only available to those with good credit.
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Purchase APR: 12.99%
Given that users looking for the best overall credit cards prefer lower values for purchase APR, Citi Dividend Platinum Select Card for College Students achieves 45% performance in this category.
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Rewards: Rewards Redeemable Everywhere (Cash Back), Dollars Earned Anywhere (Per $100 Spent) - $1, Annual Reward Bonus - $0
Citi Dividend Platinum Select Card for College Students achieves 77% performance for rewards.
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Costs and Fees: Annual Fee (Subsequent Years) - $0, Balance Transfer Fee - 3%, Balance Transfers Allowed
Citi Dividend Platinum Select Card for College Students achieves 46% performance for costs and fees.
Chase Freedom Visa
The Chase Freedom Visa is a free credit card that offers balance transfers allowed and rewards redeemable everywhere (cash back), but doesn't offer rewards redeemable for air travel. It offers zero initial APR, this rate stays constant over only a very short introductory period and the purchase APR is commensurate with the market average. It is only available to those with good credit.
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Purchase APR: 12.99%
Given that users looking for the best overall credit cards prefer lower values for purchase APR, Chase Freedom Visa achieves 45% performance in this category.
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Rewards: Rewards Redeemable Everywhere (Cash Back), Dollars Earned Anywhere (Per $100 Spent) - $1, Annual Reward Bonus - $0
Chase Freedom Visa achieves 76% performance for rewards.
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Costs and Fees: Annual Fee (Subsequent Years) - $0, Balance Transfer Fee - 3%, Balance Transfers Allowed
Chase Freedom Visa achieves 44% performance for costs and fees.
Capital One Journey Student Credit Card
The Capital One Journey Student Credit Card is a free credit card that offers balance transfers allowed and rewards redeemable everywhere (cash back), but doesn't offer rewards redeemable for air travel. It offers zero initial APR and the purchase APR is one of the highest in the market. It is only available to those with good credit.
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Purchase APR: 23.90%
Given that users looking for the best overall credit cards prefer lower values for purchase APR, Capital One Journey Student Credit Card achieves 0% performance in this category.
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Rewards: Rewards Redeemable Everywhere (Cash Back), Dollars Earned Anywhere (Per $100 Spent) - $1, Annual Reward Bonus - $0
Capital One Journey Student Credit Card achieves 61% performance for rewards.
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Costs and Fees: Annual Fee (Subsequent Years) - $0, Balance Transfer Fee - 0%, Balance Transfers Allowed
Capital One Journey Student Credit Card achieves 48% performance for costs and fees.
Discover Student Card
The Discover Student Card is a free credit card that offers balance transfers allowed, rewards redeemable everywhere (cash back) and roadside assistance included, but doesn't offer rewards redeemable for air travel. It offers zero initial APR, this rate stays constant over a fairly long introductory period and the purchase APR is commensurate with the market average. It is only available to those with good credit.
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Purchase APR: 14.99%
Given that users looking for the best overall credit cards prefer lower values for purchase APR, Discover Student Card achieves 37% performance in this category.
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Rewards: Rewards Redeemable Everywhere (Cash Back), Dollars Earned Anywhere (Per $100 Spent) - $1, Annual Reward Bonus - $0
Discover Student Card achieves 86% performance for rewards.
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Costs and Fees: Annual Fee (Subsequent Years) - $0, Balance Transfers Allowed
Discover Student Card achieves 41% performance for costs and fees.