There are a number of factors to be considered when applying for a credit card. Apart from the annual percentage rate (APR) and the transfer fees, you also need to take a good look at the perks offered by the card. Here is a list of the top 10 credit cards of 2018.

Chase Sapphire Preferred® Card
The card has zero annual fees for the first year and allows you to earn 50000 bonus points after you spend $4000 on your purchases within the first three months of opening the account.

Discover it® Cash Back
One of the 10 best credit cards of 2018, Discover it® will match all the cashback that you have earned at the end of the first year. There is no limit to it. They have a 0% annual fee for the first year plus a 0% APR on the purchase and balance transfer for a period of 14 months.

Citi® Diamond Preferred® Card
With a 0% annual fee and a 0% APR on the purchases for one year and balance transfers for 21 months, this card is widely preferred by consumers.

Citi® Double Cash Card
The card has a 0% annual fee and a 0% APR on balance transfers for a period of 18 months. It allows you to earn $150 cash back bonus after you spend $500 in purchases within the first three months of account opening.

Capital One® Quicksilver® Card
This credit card offers a 0% APR on purchases as well as balance transfers for a period of 15 months and allows you to earn $150 cash back bonus after spending $500 in purchases within three months of account opening.

Chase Freedom Unlimited®
The credit card has 0% annual fee and 0% APR on the purchases as well as balance transfers for a period of 15 months.

Bank of America® Cash Rewards Credit Card
There is no annual fee on the card and you earn 1% cashback on every purchase. You may also earn 2% at grocery stores and 3% on gas for the first $2500 spent every quarter.

Blue Cash Preferred® Card from American Express
Rated as one of the 10 best credit cards of 2018, Blue Cash Preferred® Card from American Express has an annual fee of $95 and a 0% APR for purchases and balance transfers.

Capital One® Venture® Rewards Credit Card
With this credit card, you may enjoy a bonus of 50000 miles after you spend $3000 on purchases within the first three months of account opening.

Citi Simplicity® Credit Card
This is the only credit card that has no penalty rate, no late fees, and no annual fees. It has 0% APR on purchases and balance transfer for the first 18 months.

Remember, the cash back offers, interest rates, and other charges are subject to change. So, before you choose a credit card, make sure you consider all the costs and perks associated with the same so that you may avail of the maximum benefits from the card.