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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.
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Top 10 Best Credit Cards by Dr. Credit Card
  1. Chase Sapphire Reserve Visa Infinite
  2. U.S. Bank Altitude Reserve Visa Infinite
  3. Citi Prestige World Elite MasterCard
  4. Barclays JetBlue Plus World Elite MasterCard
  5. American Express Gold Card
  6. Citi Premier Card
  7. Chase Sapphire Preferred Card​
  8. Alliant Credit Union Visa Signature
  9. American Express Platinum Card
  10. Chase United Club Visa Signature
Published in September 2019. The ranking has not changed since.​

Honorable Mentions
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