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Credit Cards
A good credit card can unlock a world of exploration, perks, and more. Whether you’re looking to expand your portfolio or need guidance on your first card, The Points Guy can help. See top cards from our partners below.
Explore the latest credit card stories
News
Credit Card Competition Act will not face a vote, despite threats from Judiciary Committee
Published Nov. 20, 2024
6 min read
News
How to transition your spending from a debit card to a credit card
Published Nov. 20, 2024
7 min read
Guide
World Elite vs. World Mastercard: What are the differences in benefits and value?
Published Nov. 20, 2024
5 min read
News
Amex Business Platinum extends Dell, Adobe, Indeed statement credits
Published Nov. 19, 2024
1 min read
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News
Select Chase cardholders can spend $100 and get $25 back at eligible restaurants
Published Nov. 18, 2024
2 min read
Guide
Everything you need to know about Amex’s baggage insurance plan
Published Nov. 18, 2024
6 min read
Guide
Traveling these holidays? Here are the best cards for making your trip more comfortable
Published Nov. 18, 2024
16 min read
Guide
Ignoring Chase’s 5/24 rule? Here’s how that could cost you hundreds of thousands of points
Published Nov. 18, 2024
6 min read
News
A guide to the Amex Platinum Walmart+ benefit: The membership that pays for itself
Published Nov. 18, 2024
5 min read
Guide
Quick Points: How to get a Saks Fifth Avenue gift card with your Amex Platinum
Published Nov. 18, 2024
3 min read
Guide
Capital One Quicksilver Secured credit card review: Earn 1.5% on all purchases and build credit
Published Nov. 18, 2024
5 min read
Guide
Amex EveryDay card review: Dip your toes into the world of Membership Rewards
Published Nov. 15, 2024
8 min read
Guide
Bank of America Business Advantage Unlimited Cash Rewards Secured Business credit card review
Published Nov. 14, 2024
7 min read
Guide
Discover it Secured Credit Card review: Earn rewards while building credit
Published Nov. 14, 2024
6 min read
News
Wells Fargo Signify Business Cash Card review: Worth considering for cash-back-focused businesses
Published Nov. 13, 2024
6 min read
Guide
Capital One Spark Cash review: Simple cash back for businesses but lacking benefits
Published Nov. 12, 2024
6 min read
News
Capital One Venture X Business review: Huge earning potential for a reasonable annual fee
Published Nov. 11, 2024
7 min read
Guide
BofA Business Advantage Unlimited Cash Rewards Mastercard credit card review: Earn cash back for your business
Published Nov. 11, 2024
6 min read
Guide
Bank of America Travel Rewards credit card review: Simplicity for points beginners
Published Nov. 11, 2024
8 min read
News
Amex rolls out online waitlist to more Centurion Lounges — save yourself time by checking in early
Published Nov. 15, 2024
3 min read
News
How an often overlooked credit card benefit put $1,400 back in my wallet
Published Nov. 15, 2024
6 min read
News
Watch your auto-renew: Chase Sapphire Reserve ending complimentary Lyft Pink perk
Published Nov. 15, 2024
3 min read
News
Have an Amex Business Platinum card? Don’t forget to register for these perks
Published Nov. 15, 2024
5 min read
News
Earn 60,000 transferable points with the Wells Fargo Autograph Journey Card
Published Nov. 15, 2024
3 min read
News
Earn up to 90,000 MileagePlus miles with these limited-time United card welcome offers
Published Nov. 14, 2024
10 min read
News
New Southwest card offers: 40,000 points plus a $400 statement credit — is it a good deal?
Published Nov. 12, 2024
8 min read
News
Check your Amex Offers: Amazon bonus points are back for some cardmembers
Published Nov. 11, 2024
2 min read
Guide
Is the $100 property credit for select Hilton cardmembers worth using?
Published Nov. 10, 2024
8 min read
Guide
This might be the best Amex card combo: Amex Gold and Amex Business Platinum
Published Nov. 18, 2024
10 min read
Guide
What credit score do you need for the Amex Business Gold Card?
Published Nov. 18, 2024
7 min read
News
Quick Points: 3 reasons you need a credit card with your favorite hotel brand
Published Nov. 18, 2024
5 min read
Guide
Quick Points: Haven't been able to use your $10 Amex dining credit before the end of the month? Use this trick
Published Nov. 15, 2024
2 min read
Guide
5 reasons you’ll want the Hilton Business Amex: Gold status and a valuable Hilton credit
Published Nov. 15, 2024
5 min read
Frequently asked questions (FAQs)
There isn’t such a thing as “the best credit card.” Everyone and every situation is different, and that means the right card varies for each person. We all have different spending habits, changing financial goals and priorities, varying budgets and disparate levels of access to credit as a whole. What works for one person likely won’t work for the next — and there’s nothing wrong with that. Ultimately, the best credit card is subjective and largely based on your habits and priorities.
A blockquote example
There are hundreds of credit cards available from many different credit card companies, each with its own advantages and disadvantages. For instance, you might find a card with a strong balance transfer offer but no rewards, while the best travel cards typically incur annual fees. Rather than focus on the best credit card company, the key is to understand your individual needs and what cards you can qualify for based on your credit profile. Once you know those, you can then pick the best credit card that meets those requirements.
If you’re just starting out, the easiest credit cards to get are beginner rewards cards and secured credit cards.
Once you’ve been approved for a new credit card, the time it takes to receive a new card from different issuers varies. Some issuers, such as Amex, may expedite the new credit card for you so you receive it within a couple of days after approval, especially if the card carries a high annual fee. With other issuers, it may take up to two weeks before your new card arrives
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