The top credit cards companies in the country mostly operate over VISA and MasterCard payment networks. Apart from issuing basic lines of credit, these companies offer additional benefits for cardholders including bonuses, travel miles, and cash back offers on selective purchases and services. Some credit cards also offer exclusive 0% interest balance transfer to reduce the burden of debt.

To help you zero in on the best credit cards companies, we have compiled the best offers available with the top three credit cards companies.

Discover It ®
Ranking among the top three credit card companies, Discover It® offers an exclusive range of bonus category cash back cards, no annual fee miles travel cards, student cash back cards, and even cards for rebuilding your credit. To apply for most of these benefits, you must have a good to excellent credit score (anywhere between 690 and 850). The cash back card is one of the few in the market that offers double returns for the first year, among other bonuses and perks. Alternatively, for frequent travelers, you enjoy unlimited 1.5 miles per dollar spent and a double miles benefit for the first year of subscription. Note that most of these cards have 0% annual fees and offer flexible options for balance transfer with the lowest APR available in the market.

Citi ®
Avail long term 0% balance transfer and flat rate double cash back with Citi. While you may not get exclusive bonus perks and payments, the Citi® Diamond Preferred® Card offers you the best introductory interest free long-term APR for purchases made in the first 11 months and for balance transfers made in the first 21 months. Alternatively, the Citi® Double Cash Card also offers 0% long-term interest-free balance transfer for the first 18 months. But the key highlight is the double rewards that you get with 2% (split into 1% for buying and 1% for when you make the payment) for your purchases. Note that you must have an excellent credit score to apply for either one of the cards.

Chase ®
Chase® is among the few top credit card companies that offer exclusive rewards, bonuses, and balance transfer benefits for its loyal customers. You get the best travel sign-up bonus, travel miles reward points, and unlimited cash back options where rewards don’t expire. The Chase Sapphire Preferred® Card and Chase Sapphire Reserve® both offer premium rewards for travel and dining enthusiasts. Avail exclusive 5x, 3x, 2x, and 1x cashback on your travel spending and get an additional 25% bonus if you book through the company’s payment portal. Chase also offers premium bonus points that can be redeemed after a few months of using the credit card. Chase Freedom Unlimited® gives you a 1.5% return on your purchase and there is no time or reserve limit to redeem your rewards.