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When discussing what credit cards can offer us, Dr. Credit Card has developed a theory of four Ps: Promotions (signup bonus), Points (rewards earned from spending), Perks (travel benefits), and Protection (free travel and consumer coverage). Each of us may find one "P" more important than another, thus may choose one card over another. So when it comes to the best credit card(s), there is no one-size-fits-all answer. However, we have been constantly asked this question, ever since we started this website in 2011. Now we finally come up with a Top 10 List, based on a comprehensive analysis of each "P" for each credit card. If you think a particular "P" is extremely important to you, you may also find our top recommendations for that "P" on its own page.
Top 10 Best Credit Cards by Dr. Credit Card
Honorable Mention
- Capital One Venture X Visa Infinite
- Chase Sapphire Reserve Visa Infinite
- Chase Sapphire Preferred Card
- Capital One Venture Visa Signature
- U.S. Bank Altitude Reserve Visa Infinite
- Citi Premier Card
- American Express Gold Card
- American Express Platinum Card
- Barclays JetBlue Plus World Elite MasterCard
- Alliant Credit Union Visa Signature
Honorable Mention
- American Express Blue Business Plus (the best business card for rewards)
- Capital One Spark Miles (almost as good as Amex Blue Business Plus)
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