Credit cards are targeted to different segments of consumers a variety of credit cards for travel; general purpose, gas and the like are available. This article discusses the 10 best credit cards across different categories in the US today:

No credit category credit cards among the10 best credit cards are meant for first time users and they cannot have a credit history are considered to have a ‘no credit’, which essentially means no credit score. These cards, if wisely used, help one to build a healthy credit history and a good credit rating in time.

• Capitol One Quicksilver OneCash Reward Credit Card:

The next category in the 10 best credit cards list is the fair credit category which is available for people who are first time users and have a credit rating that lies in the ranges of 600 to 700, have defaulted once or have a total debt that is considered too much:

• Platinum credit card: These credit cards have no annual fee, up gradation of credit limit by timely payments of first five dues, cover against loss or theft and choice of best payment date and account access on 24*7 bases on smart phone with the company’s app or on line.
• Capitol One Unsecured Visa credit card: This card helps building credit score by linking the three major credit bureaus to the holder’s monthly payment activity and ensures an up to date credit score. This card also allows users online access to credit report summary from Experian. The holder can get prequalified under a minute and the card is a fully functional and unsecured and needs no pre-loading or linking to cash deposits. Free opening and automatically gets 1% cash back on all eligible purchases under certain conditions. A conditional pre selection of monthly repayment dates is available.

Another popular category of credit cards in the list of 10 best credit cards is the Students credit card, which has features that are helpful to students.

• Discover it for Students: This card has no fee, affords, free credit score tracking and cash back. 5% cash back up to $1,500 in categories that allow quarterly rotation as bonus on joining. 1% cash back on all other purchases. Other features are no annual fee, $20 cash back each year if your GPA is 3.0 or higher for a maximum of 5 years.
• Journey Student Rewards from Capital One: This card has a 1% cash back and paying one time the cash back becomes 1.5% for that month. There is no cap on the amount of cash back and is available throughout the life of the card, a higher credit limit on timely payment of 5 installments, no annual fees or additional charges for foreign transactions and cover for loss or theft. Can choose the dues’ payment date.

There are also cards for those starting or are in business.

• Capital One Spark Classic for Business: This card has no annual fee, earns 1% cash back on every purchase, fraud coverage on loss or theft, responsible usage builds credit rating, no fee for foreign transactions, year end summaries, free employee card and customer service for small businesses.
• Capital One Spark Cash for Business: This card has 2% cash back to get thousands of dollars into business, a onetime $500 cash bonus on first spend of $4500 within 3 months of opening account, use for all business spend with no category limitation on spend, freedom from annual fee in first year, rewards for life time with any time any amount redemption of cash back, free employee card and earn rewards on their business spend.

Credit cards in the list of 10 best credit cards for the poor credit category are listed below:

• Open Sky Secured Visa Credit Card: This card is one with the monthly payment details being intimated to all three major credit bureaus helping one build their credit rating. Choose credit line between $200 and $3000 on a refundable security deposit prior to the issuance of the card.
• Discover it Secured Card: This card has no annual fee, cash back on all purchases, and a responsible behavior helps build credit rating. A $200 deposit is a pre-requirement for the sanction of any credit line within the company policy. Automatic monthly reviews after 8 months of issue help the card holder to upgrade to security deposit free credit line. Reports the monthly payment to the three major credit bureaus and gets a free FICO credit statement on mobile or net.

This is no comprehensive list of all the good credit cards, but it does give all kinds of demographic a peek into the 10 best credit cards according to use and category.