No one is the best. It mainly depends on what your main purpose of applying for a credit card is. You can refer to the following banks:

China Construction Bank:

< p>Advantages: 1. No annual fee for the first year, and no annual fee for the next year if you swipe it three times; 2. Free SMS service; 3. The cash withdrawal fee is only 0.5%; 4. The loss reporting fee is 50 yuan; 5. There are direct services for car owners As a family credit card, anyone with a car with a displacement of 1.4 or above can easily apply for the card.

Disadvantages: The gifts that points can be exchanged for are few and poor

Bank of China:

Advantages: 1. The annual fee for the first year is waived, and the five purchases are waived. Annual fee; 2. SMS service is free; 3. Cash withdrawal fee is only 1%; 4. Loss report fee is only 40 yuan

Disadvantages: high points required to exchange gifts, few types of gifts

Industrial and Commercial Bank of China:

Advantages: 1. The annual fee for that year is waived if you swipe the American Express card 5 times a year or spend 5,000 yuan, or you can exchange 2,000 points for the annual annual fee for RMB ordinary cards; 2. Cash withdrawal fees Free; 3. No handling fee for overpayment redemption; 4. Only 20 yuan to report loss; 5. Many outlets

Disadvantages: 1. SMS service fee is 2 yuan/month; 2. Required to exchange gifts High points, few types of gifts

Agricultural Bank of China:

Advantages: 1. The first year annual fee is waived, and the annual fee for the next year is waived if you swipe five times; 2. SMS service is free; 3. The cash withdrawal fee is only 1%; 4. The loss report fee is only 50 yuan; 5. There are many outlets

Disadvantages: 1. Few types of credit cards; 2. The card application procedures are relatively cumbersome; 3. Points can be redeemed for gifts Less

China Merchants Bank:

Advantages: 1. The annual fee for the first year is waived, and the annual fee for the next year is waived after six brushes; 2. The SMS service is free; 3. The handling fee for reporting a loss is 60 yuan. ; 4. Point gifts are better

Disadvantages: 1. High cash withdrawal fee of 3%; 2. Fewer outlets

CITIC Bank:

Advantages: 1. Swipe the card once within one month after issuance to waive the first-year annual fee, and swipe the card five times to waive the annual fee for the following year; 2. SMS service is free; 3. Comes with accident insurance Disadvantages: 1. Cash withdrawal fee is high at 3%; 2 , Few outlets; 3. The loss reporting fee is 80 yuan; 4. There are many gifts but the required points are high

Industrial Bank:

Advantages: 1. The first-year annual fee is waived , swipe five times or spend 3,000 to avoid annual fees for the next year; 2. It costs 50 yuan to report a loss

Disadvantages: 1. The SMS service fee is 3 yuan/month; 2. The cash withdrawal fee is 3%; 3. Few branches

Bank of Communications: Advantages: 1. The first-year annual fee is waived, Y-POWER card is swiped three times to waive the next year's annual fee, and other cards are swiped six times to waive the next year's annual fee; 2. SMS service is free ; 3. The cash withdrawal fee is only 1%; 4. It costs 50 yuan to report a loss; 5. There are more outlets than other non-state-owned commercial banks; 6. There are more gifts that can be exchanged for points

Disadvantages: Not yet It can be seen, but the overall evaluation given by colleagues who use Bank of Communications credit cards is average

Guangfa Bank:

Advantages: 1. The annual fee for the first year is waived, and the annual fee for the next year is waived after six purchases. ; 2. There is no handling fee for claiming overpayment; 3. It only costs 3 yuan to prepare a replacement statement; 4. A copy of insurance is provided; 5. There are discounts for applying for a card

Disadvantages: 1. SMS service The fee is 3 yuan; 2. The loss reporting fee is 85 yuan; 3. Few outlets

Shanghai Pudong Development Bank:

Advantages: 1. No annual fee for the first year; 2. No SMS Service fee; 3. No handling fee for reporting loss; 4. No handling fee for overpayment retrieval

Disadvantages: 1. The annual fee for the following year will be waived based on the card swipe record and repayment record; 2. Damage to the card The high handling fee for card replacement is 80 yuan; 3. The high cash withdrawal handling fee is 3%; 4. Few outlets

Shenzhen Development Bank:

Advantages: 1. No annual fee for the first year ; 2. The handling fee for cash withdrawal is 1%; 3. The handling fee for reporting a loss is 50 yuan; 4. The handling fee for making a replacement statement is only 2 yuan

Disadvantages: 1. Points can only be used to exchange for the annual fee for the following year , some credit cards need to be swiped 12 times in the first year to redeem the annual fee; 2. Few branches

Minsheng Bank:

Advantages: 1. No annual fee in the first year; 2. No cash withdrawals Handling fee; 3. No overpayment and refund handling fee; 4. Airline accident insurance and discounted car on-site emergency assistance service

Disadvantages: 1. Most credit cards need to be swiped 8 times to be exempted for the next year. Annual fee, some of which require a production fee of 160 yuan; 2. SMS service fee is 3 yuan; 3. Loss report handling fee is 80 yuan; 4. Few outlets

China Everbright Bank:

Advantages : 1. The annual fee for the first year is waived for some cards, and the annual fee for the next year is waived for three swipes; 2. The cash withdrawal fee is 1%; 3. The SMS service fee is waived; 4. It costs 50 yuan to report a loss

Disadvantages: 1 , Some cards only waive the annual fee for the first year, and some cards require a down payment.

Annual fee; 2. Few outlets