Best Credit Cards of April 2021

Our Credit Card Picks and Advice on How to Choose the Best Card for You

We publish unbiased reviews; our opinions are our own and are not influenced by payments from advertisers. Learn about our independent review process and partners in our advertiser disclosure.

At The Balance, we name the best credit cards based on the features we think are the most valuable for different sets of needs. Whether you’re looking for travel rewards, cash back on everyday purchases, a way to build credit, or a better way to pay down costly debt, we’ve done the research and crunched numbers to find the very best option for you. These are the best credit cards you can get right now, and we highly recommend giving each offer a second look:

Best Credit Cards of April 2021

Best Overall, Best for Cash Back : HSBC Cash Rewards Mastercard®

Our Rating
4.8
HSBC Cash Rewards Mastercard®
Current Offer

Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases. 1.5% cash back on all other purchases.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 23.99% variable
Annual Fee $0
Rewards Earning Rate Earn an introductory 3% cash back on $10,000 in purchases made during the first 12 months of account opening. 1.5% cash back thereafter.
INTRO PURCHASE APR 0% for 12 Months
Foreign transaction fee (%) 0%
  • Why We Chose This Card
  • Pros & Cons
  • Highlights
Why We Chose This Card

We think this card is a worthy addition to anyone’s wallet. The HSBC Cash Rewards card touts a great rewards scheme for a simple cash-back card: You’ll get double cash-back (3%, instead of the normal but competitive 1.5%) on every purchase for one year, up to $10,000 spent on purchases. After that, you’ll earn an unlimited 1.5% back on everything, so there are no bonus categories or additional earning limits to worry about. There’s a nice 12-month-long 0% APR offer that could help you finance a large purchase or two, and like all good cash-back rewards cards, you won’t pay an annual fee. 

Pros & Cons
Pros
  • Superb bonus that doubles the already-solid rewards earning rate on eligible purchases during the first year

  • 0% APR deals give you a full year to pay off purchases and balance transfers

  • Includes cellphone insurance coverage, which is uncommon

Cons
  • No short-term new cardholder bonus for those seeking a quick stash of cash back

  • Above-average balance transfer fee can chip away at the cost savings of moving large balances to this card

Highlights
  • 1.5% Unlimited Cash Back – on all purchases after the intro period
  • No Annual Fee
  • No Foreign Transaction Fees

Read the full HSBC Cash Rewards Mastercard® Review

Best for Small Business Owners : Business Advantage Travel Rewards Credit Card

Our Rating
4.8
Business Advantage Travel Rewards credit card
Current Offer

30,000 bonus points when you spend $3,000 in the first 90 days.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 12.24% - 22.24% variable
Annual Fee $0
Rewards Earning Rate Earn unlimited 1.5 points for every $1 you spend on all purchases. Earn 3 points per $1 spent on travel booked through the Bank of America Travel center - powered by Expedia.
INTRO PURCHASE APR 0% for 9 Billing Cycles
Cash Advance APR (%) 24.24%
Cash Advance Fee Either $10 or 4% of the amount of each transaction, whichever is greater
  • Why We Chose This Card
  • Pros & Cons
  • Highlights
Why We Chose This Card

Our top pick for small business owners is particularly great if you travel for work. This card offers 3 points per $1 spent on all travel booked online through the Bank of America Travel Center (operated by Expedia), and then 1.5 points per $1 on all other expenses, which is great considering most cards offer just 1 point back per $1 spent outside of any bonus categories. There’s no limit on how many points you can earn, either. If you have enough in a Bank of America deposit account, you’ll get a boost on both of these rewards rates, too. We also like how easy it is to use rewards earned with this card: Just use this card to pay for your trip booked with any travel provider, and then redeem your points for a statement credit later.  

Pros & Cons
Pros
  • Decent earning rate for a no-annual-fee, flat-rate rewards card

  • Redeeming rewards for travel is easy—just request a statement credit for the expense

Cons
  • Bank of America customers can earn even more rewards, but you’ll need a lot of money in a deposit account to qualify

  • Rewards can’t be transferred to other hotel or airline loyalty programs

Highlights
  • Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit towards travel purchases.
  • Earn unlimited 1.5 points for every $1 you spend on all purchases, everywhere, every time – no matter how much you spend.
  • Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America Travel Center.
  • Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you'll earn 2.62 points on all purchases and 4.12 points for every $1 you spend at the Bank of America Travel Center.

Read the full Business Advantage Travel Rewards Credit Card Review

Best for Earning Different Levels of Cash Back : Wells Fargo Propel American Express® Card

Our Rating
4.6
Wells Fargo Propel American Express® Card
Current Offer

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months ($200 cash redemption value).

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.49% - 24.99% variable
Annual Fee $0
Rewards Earning Rate Earn 3X points for eating out and ordering in, gas stations, rideshares, transit, for travel including flights, hotels, homestays and car rentals, as well as popular streaming services. Earn 1X points on other purchases.
INTRO PURCHASE APR 0% for 12 Months
Foreign transaction fee (%) 0%
  • Why We Chose This Card
  • Pros & Cons
  • Highlights
Why We Chose This Card

If you’re all about cards that can increase the amount of cash-back rewards you earn each day, look no further. This card offers extra rewards on seven different types of purchases, which is quite the line-up for a no-annual-fee card like this. You’ll earn 3% back on purchases such as dining out, gas, travel (even AirBnB stays count), and popular streaming service subscriptions like Spotify Premium, Netflix, and Hulu. A competitive new-cardholder bonus rounds out this card offer, too. Spend $1,000 within three months of opening your account (so just $334 per month, on average) to get 20,000 bonus points worth $200 when redeemed for cash back or statement credits. 

Pros & Cons
Pros
  • Generous rewards rate on many common expenses

  • No annual fee

Cons
  • Longer 0% APR offers on purchases and balance transfers exist

  • Cash back can only be redeemed in $20 or $25 increments

  • If you’ve received the bonus or interest deal before, you may not be eligible again

Highlights
  • 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value.
  • Earn 3 points on the following: eating out/ordering in, gas, rideshares, transit, flights, hotels, homestays, car rentals, and popular streaming services.
  • $0 annual fee.
  • No limit to points you can earn, and points don't expire as long as your account remains open.
  • Cell phone protection offers insurance against your cell phone from damage or theft.

Read the full Wells Fargo Propel American Express® Card Review

Best for Students : Discover it® Chrome for Students

Our Rating
4.3
Discover it® Chrome for Students
Current Offer

Discover will match all the cash back you've earned at the end of your first year, automatically.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 17.99% variable
Annual Fee $0
INTRO PURCHASE APR 0% for 6 Months
Rewards Earning Rate Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases.
Foreign transaction fee (%) 0%
  • Why We Chose This Card
  • Pros & Cons
  • Highlights
Why We Chose This Card

This card boasts decent rewards, a below-average APR, a great welcome bonus, and a little something extra for cardholders who get good grades, which makes it an all-around exceptional credit card for students. On top of a little extra cash-back on dinners out and gas-tank refills, Discover will double all the cash-back earned your first year for an atypical (but generous) new-cardholder bonus. You get a $20 bonus every year your GPA is above 3.0 (for up to five years). This card also stands out from other student cards because it waives your first late fee. You should, of course, strive to make on-time payments, but it's nice to know you won't have to pay an extra fee for a one-time mistake as you learn the ropes of building credit.

Pros & Cons
Pros
  • Available to those with fair credit, which makes this a good starter card

  • First late payment fee is waived

  • First-year cash-back earnings will be doubled for a generous and unconventional bonus

  • Annual $20 reward for maintaining good grades

Cons
  • Bonus rewards categories have quarterly earning limits

  • Discover card acceptance may vary compared to Visa and Mastercard

Highlights
  • Get $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Cashback Match - Discover will automatically match all the cash back you've earned at the end of your first year. There's no limit to how much they'll match.

Read the full Discover it® Chrome for Students Review

Best for Travelers, Best for Airline Flights : Chase Sapphire Reserve®

Our Rating
4.3
Chase Sapphire Reserve®
Current Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 total travel when you redeem through Chase Ultimate Rewards®.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Excellent
Regular APR (%) 16.99% - 23.99% variable
Annual Fee $550
Rewards Earning Rate Earn 3x points on travel immediately after earning your $300 travel credit, 3X points on dining at restaurants, and 1 point per $1 spent on all other purchases.
Foreign transaction fee (%) 0%
  • Why We Chose This Card
  • Pros & Cons
  • Highlights
Why We Chose This Card

This card has a sky-high annual fee, but its rich rewards-earning rates on travel and restaurant purchases, a $300 annual credit toward travel, and superior travel perks (like unlimited access to participating airport lounges) make it more than worthwhile for the frequent traveler. Plus, you’ll get some terrific flexibility when you redeem your reward points. You can use them to book your choice of airline or hotel through Chase Ultimate Rewards or transfer them (at a 1-to-1 ratio) to a partner airline or hotel rewards programs, which may also boost their value. For example, The Balance found your points may be worth about 2.19 cents each (up from 1.5 cents apiece) when you transfer them to the United Airlines MileagePlus frequent flyer program. 

Pros & Cons
Pros
  • Earn extra points for travel and dining purchases

  • Many different purchases count as travel spending, which makes earning rewards easier

  • Several valuable ways to use points, including transfers to partner loyalty programs

  • Jam-packed with valuable travel credit and travel insurance benefits

Cons
  • Massive annual fee

  • High ongoing APR

Highlights
  • Receive 60,000 points after spending $4,000 in the first 3 months from account opening.
  • Get an annual $300 travel credit for eligible purchases charged to your card each anniversary year.
  • Earn 3 points on travel (excluding purchases eligible for the travel credit), restaurants, and dining. Earn 1 point per $1 spent on other purchases.
  • Points are worth 50% more when you redeem them for travel through Chase's Ultimate Rewards portal.
  • Transfer points 1:1 to eligible Ultimate Rewards airline and hotel partner programs.

Read the full Chase Sapphire Reserve® Review

Best Secured Card : Discover it® Secured

Our Rating
4.1
Discover it® Secured
Current Offer

Discover will match all the cash back you've earned at the end of your first year, automatically.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 22.99% variable
Annual Fee $0
Minimum Deposit to Activate $200
Allows upgrade to unsecured card Yes
Pay deposit in installments No
  • Why We Chose This Card
  • Pros & Cons
  • Highlights
Why We Chose This Card

If you’re a first-time borrower or rebuilding a bad credit profile, finding a first-class secured card can be tough. Thankfully, this is it. You’ll earn some decent cash back on routine purchases, and at the end of your first year, the rewards you earned the first year will double. You won’t pay an annual fee (many secured cards charge one), and Discover will even waive your first late fee. Plus, after eight months, Discover will begin reviewing your account for a possible upgrade to an unsecured card.

Pros & Cons
Pros
  • Ability to earn cash-back rewards while building credit

  • Responsible use can lead to automatic unsecured card upgrade

  • No foreign transaction fee

  • Cash-back match as a first year bonus

Cons
  • Low cap on highest rewards earning rate

  • Mediocre maximum credit limit compared to other secured cards

Highlights
  • No annual fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Automatic reviews starting at 8 months to see if Discover can transition you to an unsecured line of credit and return your deposit.
  • Get 100% U.S.-based customer service and get your free Credit Scorecard with your FICO Credit Score.

Read the full Discover it® Secured Review

Best for Hotel Stays : The Platinum Card® from American Express

Our Rating
3.8
The Platinum Card® from American Express
Current Offer

Earn 75,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 6 months.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 22.99% variable
Annual Fee $550
Rewards Earning Rate 5X Membership Rewards points on flights booked directly with airlines or with American Express Travel. 5X Membership Rewards points on prepaid hotels booked on amextravel.com. 1 point per dollar on all other purchases.
Foreign transaction fee (%) 0%
  • Why We Chose This Card
  • Pros & Cons
  • Highlights
Why We Chose This Card

The steep earning rate on eligible hotel bookings, generous welcome offer, and the flexibility that Amex Membership Rewards offers makes this premium travel card worth its annual cost. You’ll earn 5 points per $1 spent on prepaid hotel reservations booked through amextravel.com, which is a great return considering the solid average value of each point (1.14 cents each). An annual $100 credit you can earn by using this card at partner hotel or resort properties, extra property perks, and automatic elite status within either the Hilton Honors or Marriott Bonvoy loyalty programs round out this remarkable hotel card. 

Pros & Cons
Pros
  • Lots of high-value travel perks, such as access to participating airport lounges

  • Great rewards rate on eligible flights and hotel stays

  • Many ways to redeem rewards, including options to transfer to participating frequent flyer programs

  • No foreign transaction fee

Cons
  • Low rewards rate for non-travel purchases

  • Financing options are limited

  • High annual fee

Highlights
  • Earn 75,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 6 months.
  • Chose an eligible airline and recieve a $200 annual airline fee credit.
  • Enjoy Global Lounge Collection access as a cardholder, which includes access to the Centurion Lounge.

Read the full Platinum Card® from American Express Review

Best for Balance Transfers : Wells Fargo Platinum Card

Our Rating
3.1
Wells Fargo Platinum Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 16.49% - 24.49% variable
Annual Fee $0
Balance Transfer Fee Intro fee of 3% ($5 minimum) for the first 120 days your account is open, then 5% ($5 minimum).
INTRO BALANCE TRANSFER APR 0% for 18 Months
Intro Balance Transfer Fee Intro fee of 3% ($5 minimum) for the first 120 days your account is open
  • Why We Chose This Card
  • Pros & Cons
  • Highlights
Why We Chose This Card

This card gives you 18 months to pay off balance transfers, which is one of the longest 0% balance transfer APR offers on the market right now. Long 0% APR periods spread out the financial burden of debt repayment while cutting interest costs. Plus, you’ll have four months after opening an account to take advantage of the balance transfer promotion, which is longer than some similar cards offer. That gives you time to strategize your debt repayment plan.

Pros & Cons
Pros
  • Very long 0% APR offer

  • Promotional interest rate offer applies to purchases and balance transfers

  • Cell phone insurance perks add some long-term value

Cons
  • No rewards program

  • Balance transfer fee goes up 120 days after opening account

  • Ongoing APR may be above average, depending on your credit

Highlights
  • Low intro APR for 18 months from account opening on purchases and balance transfers.
  • $0 annual fee.
  • Account protection features such as $0 Liability protection for promptly reported unauthorized transactions, alerts, and cell phone protection.
  • My Money Map tools to help you manage spending and create a budget with ease.
  • Access to your FICO Credit Score with Wells Fargo Online.

Read the full Wells Fargo Platinum Card Review

Frequently Asked Questions

How Do Credit Cards Work?

Credit cards allow you to make purchases without having to immediately pay for them with cash or money from your checking account. Essentially, you’re using the credit card company’s money, and then you pay it back. 

The credit card company (also called a credit card issuer) will send you a bill about once a month telling you how much you owe and when to send your payment by. If you can’t cover the whole bill, the issuer adds interest charges to your account. Those are the basics, but this explainer on how credit cards work will help you understand everything you need to know about the cost of carrying a credit card balance.

How Do You Choose the Best Credit Card?

Choosing a credit card requires you to take an honest look at your habits and needs, and see how those line up with the products out there. To get started, here are six tips for matching your needs to the right type of credit card. 

To help you further understand the credit card selection process, we put together this guide to picking a credit card and an overview specifically for first-time card applicants. Here's another summary of our top credit card picks:

Best Credit Cards
Credit Card Category Annual Fee
HSBC Cash Rewards Mastercard Best Overall $0
HSBC Cash Rewards Mastercard Best for Cash Back $0
Wells Fargo Propel American Express Card Best for Earning Different Levels of Cash Back $0
Discover it Chrome for Students Best for Students $0
Discover it Secured Best Secured Card $0
Chase Sapphire Reserve Best for Travelers $550
Chase Sapphire Reserve Best for Airline Flights $550
The Platinum Card from American Express Best for Hotel Stays $550
Wells Fargo Platinum Card Best for Balance Transfers $0
Bank of America Business Advantage Travel Rewards Credit Card Best for Small Business Owners $0

Is a Credit Card Right for You?

Before you can make a decision about opening any credit card, you need to understand the value and drawbacks of credit cards as a whole.

What We Like
  • Allow you to build credit

  • Offer rewards

  • Enable you to make large purchases

What We Don't Like
  • Could lead to debt

  • Charge costly fees

  • Are difficult to fully understand

For a more detailed explanation, check out our guide to the pros and cons of credit cards.

What Credit Score Do You Need?

The better your credit score, the more credit card options you have. And if you want a credit card with the highest rewards earning rate and best perks, you’ll likely need to have a very good credit score. Many of our credit card reviews tell you what kind of credit score (fair, good, very good, etc.) you need to qualify for that card. 

If you don’t know your credit score, read our article on how to check your credit score. These days, there are many options that will cost you nothing. Once you know your score, you can figure out what category it tends to fall into. There are a couple of different credit score models (FICO and VantageScore) and each has its own range. This is all explained in detail in our guide to credit scores. But for a quick overview, here are the ranges of scores for the two different scoring models: 

FICO Score Ranges
Exceptional 800+
Very Good 740-799
Good 670-739
Fair 580-669
Poor Under 580
VantageScore Ranges
Excellent 750-850
Good 700-749
Fair 650-699
Poor 550-649
Very Poor Under 550

Note

Credit score isn’t the only factor credit card issuers look at when evaluating your application, but issuers aren’t transparent about what those factors are.

While credit card companies don’t clearly state what you need to do to get approved, you’ll improve your chances by having a job, a reliable source of income, and a bank account. We describe these best practices in detail in this article on how to qualify for a credit card.

Can You Get a Credit Card With Bad Credit?

You often can get a credit card with bad credit. Secured credit cards are usually available for people with poor credit because you have to put down a deposit that’s typically equal to your credit limit. If you use the card responsibly, over time you’ll build your credit and can apply for a better card.

How Do Credit Card Rewards Work?

Most credit card rewards programs follow the same basic structure: For every dollar you spend on your credit card, you earn a percentage of that purchase in cash back, points, or miles. You can then redeem cash, points, or miles for a variety of things. 

Every credit card rewards program is different, so it’s best to read individual credit card reviews to understand their programs. This overview of rewards cards basics will help you learn about the different rewards programs out there and, most important, whether or not it’s worth signing up for a rewards card.

What Are Some Common Credit Card Benefits?

You know all that fine print you see when you go to a credit card’s website? It includes a lot of details about card benefits you might not realize you have access to. We have a full rundown of credit card perks you should know about, but here’s a quick list of common benefits.

Common Perks on Many Kinds of Credit Cards

  • Car rental insurance
  • Zero fraud liability
  • Roadside assistance hotline

Common Rewards Card Perks

  • Insurance for stolen or damaged purchases
  • Lowest advertised price match
  • Extended warranties on purchases
  • Refund when merchant won’t accept returned item

Common Travel Rewards Card Perks

  • Insurance coverage for lost or delayed luggage
  • Insurance coverage for trip cancellation, interruption, or delay
  • Travel accident insurance

How Do You Apply For a Credit Card?

Follow these steps to apply for a credit card:

  • Check your credit score.
  • Choose which kind of card you want to apply for.
  • Research a few different cards from different companies.
  • Decide on one to apply for.
  • Visit the card application webpage.
  • Enter your personal information, including your Social Security number and annual income. 
  • Be patient. It can take a couple of weeks to receive a final decision. 

This guide will walk you through all the steps of getting ready and actually applying for a credit card.

Methodology

We collect data on hundreds of cards and score more than 55 features that affect your finances. We do this because it's our mission to give you unbiased, comprehensive credit card reviews.

Our reviews are always impartial. No one can influence which cards we review, the way we present them to you, or the ratings they receive.

About This List

We reviewed more than 300 credit cards to identify the one with the best combination of low fees, good rewards, and relatively low interest rates—that's what people say is most important to them when choosing a new credit card.

The top card on this list is the outright winner, based on the dozens of card attributes we evaluate in our scoring process. The other cards on this list have the top scores in specific categories, and each category has its own methodology.

Important

While annual fee is a top driver in determining the best credit card overall, it's not as important in our list of the best travel cards. That's because our research and analysis shows that travel cards with no annual fee tend to have little value. To understand how we scored cards in each round-up (i.e., Best Credit Cards for Travel), see the methodology at the bottom of each page.

What We Score

The most important components of a credit card's overall score are the fees, rewards, and interest rates.

Fees

We look at the average cost of a card's annual fee over three years, to account for credit cards that waive the annual fee the first year. The lower the average annual fee, the better the score it receives. The total number of fees a card has also has a significant bearing on a credit card's score, including whether or not the card has foreign transaction fees or waives the first late-payment fee.

Rewards

First, we look at the value of a card's rewards. We determine reward value by researching options for redeeming a credit card's rewards, as well as Americans' travel and spending habits.

Next, we evaluate the rate at which you can earn rewards. If a card has multiple rewards-earning rates (aka tiers), we determine the score based on the highest rate. But we also look at how many rewards tiers the card has, and a card with fewer tiers receives a higher score. We also look at if there are limits on rewards earning, how many options you have for redeeming rewards, whether there's a minimum amount of rewards you must have to redeem them, and if rewards expire. Rewards-earning limits, few redemption options, minimum redemption thresholds, and rewards expiration lead to low scores.

Interest

People don't often start using a credit card with the intention of going into debt, but it happens. That's why it's important to consider a card's annual percentage rate (APR), not only on all purchases but also for balance transfers and cash advances. (The higher the APR, the lower the score.) And if a card offers 0% APR periods on purchases or balance transfers, we consider that a good thing.

Other Things We Consider

While fees, rewards, and interest rates make up the vast majority of our scores, we also consider the overall experience of using a card. Our scoring model favors features like a mobile app, a free credit score, and 24/7 customer service, to name a few. For more information about how The Balance evaluates credit cards, see our full credit card review methodology