Save money, earn cashback, and maximize rewards with our expert-curated selection of the top credit cards available today.
Carefully selected cards offering the best value for different spending patterns and credit profiles.
Excellent flexibility and cash back returns
Flat-rate 2% cash back with no fees
Best choice for building or rebuilding credit
Everything you need to know about credit cards in the US
Your credit score is a three-digit number (typically 300-850) that represents your creditworthiness. It's calculated based on your payment history (35%), credit utilization (30%), length of credit history (15%), types of credit (10%), and new credit inquiries (10%). To build your score: pay bills on time, keep credit utilization below 30%, maintain old accounts, diversify credit types, and limit new credit applications.
Non-residents can obtain US credit cards by: getting an ITIN (Individual Taxpayer Identification Number), opening a US bank account, starting with secured credit cards, or applying for cards from banks with international presence. Some issuers like American Express allow global transfers from existing foreign accounts. Having US income or a Social Security Number significantly improves approval chances.
Key terms: APR (Annual Percentage Rate) is the yearly interest rate on balances. Annual Fee is a yearly charge for card benefits. Balance Transfer Fee is charged when moving debt from another card. Cash Advance Fee applies when withdrawing cash. Foreign Transaction Fee is charged for international purchases. Grace Period is the time to pay without interest (usually 21+ days).
Cashback cards give a percentage back on purchases (1-5%), credited to your account. Points/Miles offer more flexibility - you can transfer to airlines/hotels or redeem for travel at higher values. To maximize: use category cards for bonus spending, pay in full to avoid interest, combine cards strategically, and understand redemption values. Points typically offer 1.25-2x value when redeemed for travel compared to cash.