Explore the top credit cards of 2016, featuring travel rewards, cashback options, and credit-building cards. Find the best fit for your spending habits with favorable introductory offers, bonuses, and flexible redemption options to maximize benefits and improve your financial health.

Top Credit Cards of 2016

Seeking the top credit card options of 2016? Here’s a curated list highlighting the most popular cards, based on comparison reviews. Most require good to excellent credit scores, so check your credit report before applying.

BankAmericard Travel Rewards - Ideal for Travel Benefits
Features a 0% introductory APR for 12 months on purchases and no annual fee, perfect for saving early on. Regular APR varies from 15.49% to 23.49% (variable).

Earn 1.5 points per dollar spent. Spend $1000 within the first 90 days and receive 20,000 bonus points, redeemable for $200 in travel costs.

Capital One VentureOne Rewards - Travel Points
No annual fee and a low introductory APR for 12 months. Ongoing APR ranges from 12.49% to 22.49%. Earn 20,000 bonus points after spending $1000 in 3 months, equal to $200 travel savings. You earn 1.25 miles per dollar, with no foreign transaction fees, and miles don’t expire.

Rewards can be redeemed with any airline or hotel.

Chase Sapphire Preferred - Flexible Travel Redemption Options
Named the Best Card for Travel Flexibility by Kiplinger’s. Offers 50,000 bonus points after spending $4000 in the first three months—worth $625 when redeemed through Chase Ultimate Rewards. No annual fee for the first year, then $95. Earn 2x points on travel and 1 point on other purchases. No foreign transaction fees, and points transfer 1:1 to major airline and hotel loyalty programs.

Discover It Cashback Match - Double Rewards Year One
No annual fee. Introductory 0% APR on purchases and balance transfers for 14 months. Afterwards, APR varies from 11.49% to 22.49%. Earn 5% cashback in quarterly rotating categories plus 1% on all other purchases. Rewards roll over and do not expire. At year-end, Discover matches all cashback earned, doubling rewards.

Discover It Secured - Build Credit
Designed for those with limited or poor credit history. No annual fee, earns 1% cashback on all purchases, and offers a low 10.99% rate on balance transfers for six months. Ongoing APR is 23.49%. The card matches your cashback at year's end, effectively doubling rewards. Choose based on your credit goals while monitoring APRs and fees to avoid surprises.