The 5 Best Credit Cards of 2015

With 2015 in full swing, it seems like a good time to review some of the best credit card offers available. Carrying the right credit card(s) that fits your spending habits is not only the responsible thing to do, but also the smart thing to do.  Credit Cards get a bad rap sometimes, especially when you start to see the fees and interest piling up. But the best credit card offers include cards that award cash back, points and miles, and even 0% APR introductory rates, all for little to no annual fee and somewhat low interest rates.

Below are 5 of the top credit cards available now. I’ve considered the following factors in compiling this list:

  • Rewards: Some cards offer richer rewards than others. Whether cash back, points or miles, look for cards with the best perks. It’s also important to consider bonus deals.
  • Interest Rates: The focus here is on 0% introductory rates. While low regular APRs can be a plus as well, they shouldn’t matter if you are paying the card in full every month.
  • Credit Needed: The most rewarding cards require excellent credit. As a result, we also include cards available to those with average credit.

Barclaycard Arrival Plus™ World Elite MasterCard®

Barclaycard Arrival Plus™ World Elite MasterCard®This card is a hidden gem. While you don’t see it advertised on TV as much as others on the list, it offers some of the best rewards available from any credit card (Read review here).

  • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases - Miles don't expire as long as your account is open, active and in good standing
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • Chip card for increased confidence and convenience to pay abroad as easily as you do at home
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 14.99% or 18.99%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival Cardmembers

Click here to apply for the Barclaycard Arrival Plus™ World Elite MasterCard®

Discover it®

Discover it®Best known for its cash back rewards, you can earn up to 5% cash back on rotating categories. Less known is Discover’s 0% introductory offers on both balance transfers and purchases (Read review here).

  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases
  • 100% U.S.- based customer service - anytime, day and night
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

Click here to apply for the Discover it®

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit CardDon’t let the silly commercials fool you. This card offers excellent rewards IF you use them for travel. Use the miles for something other than travel and the card is just average (Read review here).

  • Earn unlimited 2X miles on every purchase, every day
  • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want—no blackout dates
  • Miles don't expire
  • No limit to the miles you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that

Barclaycard® Rewards MasterCard®

Barclaycard® Rewards MasterCard®This rewards card is ideal for those with average credit. Its rewards aren’t quite as rich as the other cards listed above, but it does offer good perks for those with less than perfect credit.

  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

Click here to apply for the Barclaycard® Rewards MasterCard®

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website. Discover is a paid advertiser of this site.

Published or Updated: January 6, 2015
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.


  1. Amy Saves says:

    I’m digging the Discover long duration balance transfer card. Perfect for those who want to move their higher balances to 0% for 24 months. Great blog!

    • DR says:

      Amy, it is a great offer. Unfortunately, as of May 1 it dropped to 18 months. Still a good deal, and Citi still offers cards with 18 month balance transfers.

  2. M. Kusnier says:

    I wanted to know if I would earn Credit with the American Express Green Card, I am asking as, with the green card you pay all purchases at months end…

  3. Fred says:

    This contains several great credit card offers. However, I think $150 Gift Certificate is pretty lame. You can get 80% off when it is on sale. That bring $150 to only $30 worth.

  4. I love my Discover It card because it helped me to consolidate all my credit card debt and allow me pay it off in 18 months without paying any interest. The free access to my FICO score is awesome as well.

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