The Best Credit Cards of 2017

The top credit cards offer cash back, free travel, and low interest rates. We’ve researched the current offers and listed the best credit cards of 2017 by category.

With 2017 upon us, it seems like a good time to review some of the best credit card offers available. Carrying the right credit card(s) for 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 comparatively low interest rates.

Below are 4 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.

Best Cash Back Offers

Discover it Card-Cashback Match

Discover it Cashback MatchLearn More

The Discover it Card-Cashback Match card is high on our list for several reasons. As the card name suggests, you’ll earn double cash back the first year. Discover also pays up to 5% on categories that change every three months. And there is no annual fee.

  • Everyday Rewards: Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Bonus Rewards: You could turn $200 into $400 with Cashback Match™. Discover automatically matches all the cash back you earn at the end of your first year. New cardmembers only.
  • Annual Fee: None.
  • Extra Features: Get your FICO® Credit Score for free on monthly statements and online.

You also get an introductory 0% APR for 14 months on purchases and balance transfers.

Bottom Line: An excellent cash back card with a rich bonus for new cardmembers and a solid 0% offer.

Learn how to apply here.

Capital One® Quicksilver® Cash Rewards Credit Card

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The Capital One® Quicksilver® Cash Rewards Credit Card also takes a simple approach to cash back rewards. You earn 1.5% on every purchase. There is no annual fee.

  • Everyday Rewards: 1.5% cash back on all purchases.
  • Bonus Rewards: One-time $150 cash bonus after you spend $500 on purchases within 3 months of approval
  • Annual Fee: None.
  • Extra Features: 0% APR on purchases and balance transfers for 9 months.

Bottom Line: It pays a top cash back percentage which, along with a potential cash bonus and no annual fee, makes it a solid choice.

Learn how to apply here.

Wells Fargo Cash Wise Visa® Credit Card

The Wells Fargo Cash Wise Visa® Credit Card also pays 1.5% cash back on every purchase. It also offers a higher cash bonus of $200 for new cardmembers and a special 1.8% cash back rate on Android Pay™ or Apple Pay™ mobile wallet net purchases.

  • Everyday Rewards: Earn unlimited 1.5% cash rewards on everyday net purchases
  • Bonus Rewards: NEW: Earn $200 cash rewards bonus after spending $1,000 in net purchases in the first 3 months
  • Annual Fee: None.
  • Extra Features: Enjoy 1.8% cash rewards on Android Pay™ or Apple Pay™ mobile wallet net purchases during the first 12 months from account opening.

Bottom Line: Among those cards that pay 1.5% cash back, this card is the best offer. It’s $200 cash bonus, 1.8% bonus cash rewards, and 0% APR on balance transfers and purchases for 12 months are best in class.

Learn how to apply here.

Chase Freedom

The Chase Freedom is a terrific cash back credit card that offers 5% cash back on select categories each and every quarter.  Things like gas, grocery and department store purchases are routinely included in the 5% categories and all other purchases earn 1%.  New cardmembers can also earn a $150 sign-up bonus!

  • Everyday Rewards: Earn 1% cash back on all purchases and 5% cash back on select purchases each quarter (up to $1,500 spent quarterly)
  • Bonus Rewards: A $150 cash bonus is included after spending $500 in the first three months.
  • Annual Fee: None.
  • Extra Features: The Chase Freedom also provides cardholders a 0% intro APR on both purchases and balance transfers for the first 15 months!

Bottom Line: One of the best cash back credit cards on the market today.  Between the 5% categories, the 0% intro APR and the $150 cash bonus, there’s plenty of reasons to sink your teeth into the Chase Freedom.

Click here to learn more.

Blue Cash Preferred® Card from American Express

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Last of the cash back cards on our list, but certainly not least, the Blue Cash Preferred® Card from American Express offers 6% cash back at U.S. supermarkets; 3% on gas and department stores. It also offers a $150 cash bonus when you spend $1,000 on the card in the first three months.

  • 6% cash back at U.S. supermarkets, on up to $6,000 per year in purchases
  • 3% cash back at U.S. gas stations
  • 3% cash back at select U.S. department stores
  • 1% cash back on other purchases

Learn how to apply here.

More Offers: You’ll find an extensive list of cash back credit cards here.

Best Travel Rewards Card Offers

Discover it® Miles – Unlimited 1.5x Rewards Card

Discover it MilesLearn More

The Discover it® Miles – Unlimited 1.5x Rewards Card offers 1.5x miles on every purchase. Couple that with no annual fee and a rewards match your first year, and it tops our list of travel cards.

  • Everyday Rewards: Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
  • Bonus Rewards: Discover will match all the rewards new cardmembers have earned at the end of their first year. No purchase caps or minimums. No signing up. And no limit. New cardmembers only.
  • Annual Fee: None
  • Extra Features: Get your FICO® Credit Score for free on monthly statements, on mobile and online.

Bottom Line: This is one of the best no-fee travel cards available today.

Learn how to apply here.

Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is the premier travel card of the Chase portfolio, opening up with a $500 bonus after spending $4,000 in the first three months.  Dedicated 24 hour live customer support and 2 points per dollar spent on travel and dining also bolster a great opening act.

  • Everyday Rewards: Double points on travel and dining and single points on all other purchases
  • Bonus Rewards: Earn 50,000 bonus points after spending $4,000 in the first three months.  That’s worth $500 in cash or $625 in travel!
  • Annual Fee: $0 the first year, then $95
  • Extra Features: 5,000 bonus miles after adding an authorized cardholder and they make a purchase inside of the first three months.  You can also transfer your Ultimate Rewards points at a 1:1 ratio.

Bottom Line:  The Chase Sapphire Preferred Card is a fantastic option for anyone that travels often.  The 25% added value on points goes a long way and earning the 50,000 bonus points will make the recurring $95 annual fee painless.

Click here to learn more.

Capital One® Venture® Rewards Credit Card

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This is the card with the most memorable commercials, but it’s also one of the best travel cards around today. It’s most valuable if you use the benefits for travel, when the miles are worth more. Here are the details:

  • Everyday Rewards: Earn unlimited 2X miles per dollar on every purchase, every day
  • Bonus Rewards: Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
  • Annual Fee: $0 intro annual fee for the first year; $95 after that
  • Extra Features: No foreign transaction fees.

Bottom Line: For frequent fliers, this card is a great option. The rewards aren’t worth as much if you cash them in on non-travel expenses, though, so keep that in mind. Also, remember that you’ll have to spend enough to out-earn that $95 annual fee in order to make this card worth your while. You’ll have to spend around $5,000 a year to break even with the annual fee.

Learn how to apply here.

Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American ExpressLearn More

This is one of my favorite American Express credit cards. It’s ideal for those that either stay in Starwood properties are looking to transfer rewards to airlines.

  • Everyday Rewards: Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • Bonus Rewards: Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Annual Fee: $0 introductory annual fee for the first year, then $95.
  • Extra Features: Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates. No foreign transaction fees.

Bottom Line: This is a first rate travel rewards card that offers tremendous flexibility in how you redeem the rewards. It’s well worth the annual fee.

Learn how to apply here.

More Offers: You’ll find an extensive list of travel rewards credit cards here.

Best 0% APR Offers

Discover it®- 18 Month Balance Transfer Offer

Discover it 18 month balance transfer offerLearn More

Discover offers a special version of its main credit card called the Discover it®- 18 Month Balance Transfer Offer. As the name suggests, it offers an introductory APR of 0% on balance transfers for 18 months. On top of that, it also comes with the same cash back features and no annual fee offered by its standard card.

  • 0% APR: 0% for 18 months on balance transfers; 0% for 6 months on purchases.
  • Everyday Rewards: Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Bonus Rewards: You could turn $200 into $400 with Cashback Match™. Discover automatically matches all the cash back you earn at the end of your first year. New cardmembers only.
  • Annual Fee: None.
  • Extra Features: Get your FICO® Credit Score for free on monthly statements and online.

Bottom Line: This card offers one of the longest 0% balance transfer deals available, combined with excellent cash back rewards, all with no annual fee.

Learn how to apply here.

Wells Fargo Platinum Visa® Credit Card

The Wells Fargo Platinum Visa® Credit Card offers an introductory APR of 0% on balance transfers and purchases for 15 months. There is no annual fee, and Wells Fargo provides free tools to help you manage your money.

  • 0% APR: 0% for 15 months on balance transfers and purchases.
  • Annual Fee: None.
  • Extra Features: Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Credit Card

Bottom Line: This card offers a solid 0% offer on both balance transfers and purchases.

Learn how to apply here.


More Offers: You’ll find an extensive list of 0% credit cards here.

Topics: Credit Cards

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7 Responses to “The Best Credit Cards of 2017”

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

  2. I have an inquiry about the currency charge costs. What these cards charges.it is not mentioned anywhere.Does someone knows about that?
    These prepaid cards can be used also with euro or the offers are only for usd?
    Thank you.

  3. Keith

    For travelers, the Costco VISA is now best out there with 3% on all travel. I am dropping Venture card to switch to this after 6 years of getting 2% on everything, but 80% of my business expenses are travel.

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