Competition between banks, card issuers and other lenders is fierce and every year it seems to heat up. This is great news for borrowers because it means we have never had it so good and can take our pick of the best cards and offers out there.

In this guide we’ll look at the best offers for this year, seeing what lenders big and small have come up with and hopefully helping you to find one that suits your needs.

Capital One Venture Rewards Card for 2018

Capital One know how to do rewards cards, which is why we have mentioned them in countless top lists, from our guide to the Best Rewards Card to our guides on Student Cards, Business Cards and more.

The Venture Card is currently one of the best cards available, with some signifiant benefits to help it standout against a very generous crowd. Just make sure you check our list of “cons” before you hurry to signup, because while the pros will offset the cons for many borrowers, this will not be the case for all of you.

The Pros

  • A travel rewards card that gives you “air miles” when you spend money.
  • Get 50,000 miles as part of their intro bonus (valid as of 2018) when you spend $3,000 in the first three months.
  • Annual fee is waived for the first year.
  • 10,000 miles = $100 in travel spend.
  • Fly with any airline and stay at any hotel.
  • No foreign transaction fees.
  • Miles don’t expire.
  • Get $100 application fee credit for Global Entry or TSA Pre.
  • Get 10x points when you spend in hotels.

The Cons (and Other Essential Info)

  • The APR can be as high as 24.49%, but it can also be as low as 14.49%.
  • Annual fee is $95 and is due from the second year onwards.
  • Good to excellent credit score needed.

Bank of America Cash Rewards Card for 2018

The Bank of America Cash Rewards card has a rewards scheme that offers between 1% and 3% cashback on purchases. The high percentage is reserved for gas and groceries, but you can earn at least 1% on everything else.

Just bear in mind that there are limits. Both the 2% and the 3% only apply to specific purchases made to the value of $2,500 every quarter. If you spend more than that then those additional purchases will only earn 1%. It’s still a great card even with those limits and for someone who spends $500 to $1,000 a month on groceries, gas, and wholesale club purchases, it’s ideal. If you’re a big spender, however, then you may want to look elsewhere.

The Pros

  • Up to 3% cashback on specific purchases (1% or 2% for all others).
  • $150 intro bonus.
  • No annual fee.
  • 0% introductory APR for 12 billing cycles.
  • Free balance transfers for 2 months.
  • 10% bonus when you redeem cash into a Bank of America checking or savings account.
  • Preferred Rewards clients can can get a bonus of up to 75% when they redeem into a BoA account.

The Cons (and Other Essential Info)

  • “Good” credit needed.
  • 14.74% to 24.74% APR variable.
  • 3% fee for balance transfers.

Amex Everyday Rewards Card for 2018

American Express cards are accepted in fewer locations than MasterCard, Visa and Discover, but they have some great rewards schemes to make up for that and that’s the case with the Everyday Credit Card.

You can earn points every time you spend and get twice as many when you shop in US supermarkets, up to a total of $6,000 a year. That means that you can spend $500 on groceries every month and earn twice as many points in the process. There are also bonuses and great terms to make this an even more enticing offer.

The Pros

  • 2x points when spending in US supermarkets.
  • Points for every dollar you spend.
  • 10,000 points when you sign up and spend $1,000 or more within 3 months.
  • Free balance transfers for 60 days.
  • 0% introductory APR that lasts for 15 months.
  • No annual fee.
  • 20% extra when you use your card 20 or more times in 1 billing cycle.

The Cons (and Other Essential Info)

  • APR of 14.74% to 25.74% after introductory period.
  • 29.99% penalty APR.
  • 2.7% foreign transaction fee.
  • $38 for late payments and returned payments.

Capital One Quicksilver Rewards Card for 2018

The second Capital One card to make it onto our list, providing that these guys really know their stuff when it coms to rewards. You can earn as much as 1.5% cashback on every single purchase with this card.

That flat rate may not seem as enticing as the 3% or 5% that other cards offer, but the way you have to look at it is that there is no spending limit and it’s 0.5% higher than the average rate offered by most providers. If you find yourself regularly passing those 3% to 5% spending limits offer by other cards and want something with a better base rate that appeals more to big spenders, this is it.

As you will see from the pros and cons below, it also offers a number of other benefits and some great rates.

The Pros

  • 1.5% cashback on every dollar you spend, with no spending or category limit.
  • Get $150 when you spend just $500 in the first three months.
  • No annual fee.
  • No foreign transaction fee.
  • 0% introductory APR for 15 months on both purchases and balance transfers.

The Cons (and Other Essential Info)

  • 14.49% to 24.49% APR variable after the introductory period ends.
  • Rewards rate is not great for the average user.

Citi AAdvantage Platinum Select

This is a travel rewards card that offers a host of benefits for frequent flyers, all of which are connected to American Airlines. They currently have an offer that rewards you with 60,000 air miles when you signup, one of the best credit card offers in 2018 so far.

Sound too good to be true? Well, there are some things that you need to be aware of, things that will likely offset those benefits for many users.

The Pros

  • Earn points every time you spend and redeem these with American Airlines.
  • Get a $100 flight discount with AA when you spend $20,000 a year.
  • 60,000 air miles when you signup and spend $3,000 in three months.
  • A host of benefits for cardholders who fly with American Airlines, including preferred boarding.
  • Save 25% on in-flight food and drink when you fly AA.
  • No foreign transaction fees.
  • No annual fee for the first year.

The Cons (and Other Essential Info)

There is no introductory 0% APR on purchases or balance transfers.

  • High APR of between 17.74% and 25.74%.
  • $99 annual fee after first year.
  • “Good” credit score needed.
  • $10 or 5% cash advance fee.
  • 3% balance transfer fee.
  • 29.99% penalty APR.

Other Great Credit Card Offers for 2018

There are many more top credit cards that we didn’t mention, either because we have already reviewed them in full elsewhere or because we preferred the ones we mentioned above. So, before you make your decision, be sure to checkout the following:

  • Discover It: One of the best rewards cards out there, and one we have reviewed in full. See our Discover It Card Review.
  • Chase Freedom: A great rewards card that always deserves to be at the top of the pile. Offers between 1% and 5% cashback.
  • Wells Fargo Cash Wise: A Visa that offers 1.5% to 1.8% cash rewards.
  • Amex Platinum: Always worth a mention, because despite its high annual fee this is a good rewards card for big spenders.