Best credit cards of July 2021

This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

The team at TPG has done a lot of the research for you, compiling our top picks of the best credit cards from our partners available on the market today.

New Platinum exclusive offer

The Platinum Card® from American Express

Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4.5/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

5 - 10X points
more info
  • 10XEarn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • 5XEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • 5XEarn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Intro Bonus

100,000 points
details

Annual Fee

$695

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee.

Pros

  • The current welcome bonus on this card is quite lucrative. TPG values it at $2,000, not including any points you may earn from the temporary 10x bonus categories
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more.
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway

Cons

  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories
  • The annual airline fee credit and other statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
New Platinum exclusive offer

The Platinum Card® from American Express

TPG Editor's Rating

tooltip
4.5/5
  • 10X Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Intro Bonus
tooltip

100,000 points

Annual Fee

$695

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee.

Pros

  • The current welcome bonus on this card is quite lucrative. TPG values it at $2,000, not including any points you may earn from the temporary 10x bonus categories
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more.
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway

Cons

  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories
  • The annual airline fee credit and other statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Best for non-bonus spending

Capital One Venture Rewards Credit Card

TPG Editor's Rating
tooltip

4.5/5
at Capital One's secure site

Rewards

2X points
more info
  • 2XEarn unlimited 2X miles on every purchase, every day.

Intro Bonus

60,000 miles
details

Annual Fee

$95

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2x miles on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives.

Pros

  • This flexible rewards card delivers a solid sign-up bonus of 60,000 miles, valued by TPG at $1,020
  • You'll earn 2x on every purchase, which means you won't have to worry about memorizing bonus categories
  • Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners

Cons

  • Transfer ratios to most partners are mediocre at less than 1:1 ratio
  • Capital One airline partners do not include any large U.S. airlines
  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Best for non-bonus spending

Capital One Venture Rewards Credit Card

TPG Editor's Rating

tooltip
4.5/5
  • 2X Earn unlimited 2X miles on every purchase, every day.

Intro Bonus
tooltip

60,000 miles

Annual Fee

$95

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2x miles on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives.

Pros

  • This flexible rewards card delivers a solid sign-up bonus of 60,000 miles, valued by TPG at $1,020
  • You'll earn 2x on every purchase, which means you won't have to worry about memorizing bonus categories
  • Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners

Cons

  • Transfer ratios to most partners are mediocre at less than 1:1 ratio
  • Capital One airline partners do not include any large U.S. airlines
  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Best for dining and takeout at restaurants

American Express® Gold Card

Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
Apply now for American Express® Gold Card
at American Express's secure site
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

3 - 4X points
more info
  • 4XEarn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
  • 4XEarn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3XEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro Bonus

60,000 points
details

Annual Fee

$250

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4x points on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x). There’s also an up to $120 annual dining credit at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x points on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel and everyday spending bonus categories
  • Not as effective for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Best for dining and takeout at restaurants

American Express® Gold Card

TPG Editor's Rating

tooltip
4/5
  • 4X Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
  • 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro Bonus
tooltip

60,000 points

Annual Fee

$250

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4x points on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x). There’s also an up to $120 annual dining credit at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x points on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel and everyday spending bonus categories
  • Not as effective for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Best for Citi ThankYou Rewards

Citi Premier® Card

TPG Editor's Rating
tooltip

4/5
at Citi's secure site

Rewards

1 - 3X points
more info
  • 3XEarn 3 Points per $1 spent at Restaurants and Supermarkets
  • 3XEarn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • 1XEarn 1 Point per $1 spent on all other purchases

Intro Bonus

80,000 points
details

Annual Fee

$95

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

The Citi Premier Card is one of the best starter travel rewards cards due to its gracious amount of bonus spend categories. You’ll not only earn triple points on air travel and hotel, but also on restaurants, supermarkets and gas stations — offering plenty of opportunities to earn on your everyday purchases. Best of all, your points are flexible and can transfer to a variety of frequent flyer programs in every airline alliance. Finally, enjoy an annual $100 hotel savings benefit through Citi on a single hotel stay booking of $500 or more (excluding taxes and fees).

Pros

  • Earns 3x points on restaurants, supermarkets, gas stations, air travel and hotels
  • $100 annual hotel savings benefit (on a single hotel stay of $500 or more booked through thankyou.com)
  • Points transfer to 16 airline programs, from JetBlue to Virgin Atlantic
  • World Elite Mastercard benefits, extended warranty, damage and theft protection

Cons

  • $95 annual fee
  • Lacks travel protections that other travel rewards cards come with
  • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Best for Citi ThankYou Rewards

Citi Premier® Card

TPG Editor's Rating

tooltip
4/5
  • 3X Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • 3X Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • 1X Earn 1 Point per $1 spent on all other purchases

Intro Bonus
tooltip

80,000 points

Annual Fee

$95

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

The Citi Premier Card is one of the best starter travel rewards cards due to its gracious amount of bonus spend categories. You’ll not only earn triple points on air travel and hotel, but also on restaurants, supermarkets and gas stations — offering plenty of opportunities to earn on your everyday purchases. Best of all, your points are flexible and can transfer to a variety of frequent flyer programs in every airline alliance. Finally, enjoy an annual $100 hotel savings benefit through Citi on a single hotel stay booking of $500 or more (excluding taxes and fees).

Pros

  • Earns 3x points on restaurants, supermarkets, gas stations, air travel and hotels
  • $100 annual hotel savings benefit (on a single hotel stay of $500 or more booked through thankyou.com)
  • Points transfer to 16 airline programs, from JetBlue to Virgin Atlantic
  • World Elite Mastercard benefits, extended warranty, damage and theft protection

Cons

  • $95 annual fee
  • Lacks travel protections that other travel rewards cards come with
  • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

TPG Editor's Rating
tooltip

4.5/5
at Chase's secure site

Rewards

1 - 2X points
more info
  • 2X2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel.
  • 1X1 point per dollar spent on all other purchases.

Intro Bonus

100,000 points
details

Annual Fee

$95

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Sporting an all-time-high sign-up bonus and offering an excellent 2x points on all travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 13 valuable airline and hotel partners.

Pros

  • You’ll earn 2x Ultimate Rewards points on travel and dining including eligible delivery services and takeout
  • The current welcome bonus on this card is quite generous. TPG values it at $2,000
  • Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance

Cons

  • The card comes with a $95 annual fee
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Best for beginners

Chase Sapphire Preferred® Card

TPG Editor's Rating

tooltip
4.5/5
  • 2X 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel.
  • 1X 1 point per dollar spent on all other purchases.

Intro Bonus
tooltip

100,000 points

Annual Fee

$95

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Sporting an all-time-high sign-up bonus and offering an excellent 2x points on all travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 13 valuable airline and hotel partners.

Pros

  • You’ll earn 2x Ultimate Rewards points on travel and dining including eligible delivery services and takeout
  • The current welcome bonus on this card is quite generous. TPG values it at $2,000
  • Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance

Cons

  • The card comes with a $95 annual fee
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

TPG Editor's Rating
tooltip

3.5/5
at Capital One's secure site

Rewards

1.5% cash-back
more info
  • 1.5%Earn unlimited 1.5% cash back on every purchase, every day

Intro Bonus

$200
details

Annual Fee

$0

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards.

Pros

  • Unlimited 1.5% cash back on all purchases
  • No annual fee
  • Cash back doesn't expire

Cons

  • Limited card perks and benefits
  • Other cards offer more potential and upside when it comes to redeeming cash back
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
Best for cash back

Capital One Quicksilver Cash Rewards Credit Card

TPG Editor's Rating

tooltip
3.5/5
  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day

Intro Bonus
tooltip

$200

Annual Fee

$0

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards.

Pros

  • Unlimited 1.5% cash back on all purchases
  • No annual fee
  • Cash back doesn't expire

Cons

  • Limited card perks and benefits
  • Other cards offer more potential and upside when it comes to redeeming cash back
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

1.5 - 5X points
more info
  • 5XGet 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • 1.5XGet 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.

Intro Bonus

125,000 points
details

Annual Fee

$595

Recommended Credit

670-850
Good, Excellent
more info
Why we chose it

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more.

Pros

  • Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
  • $200 annual statement credit for eligible U.S. Dell purchases
  • Gold status at Marriott and Hilton hotels (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
  • Extended warranty protection
  • International Airline Program
  • Cruise Privileges Program

Cons

  • Steep $595 annual fee
  • Difficulty meeting $15,000 welcome offer for smaller businesses
  • Limited high bonus categories outside of travel
  • The Points Guy Exclusive Offer: Earn 125,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Breeze through security with CLEAR® where available and get up to $179 back per year on your membership when you use your Card.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
  • See Rates & Fees
Best travel perks

The Business Platinum Card® from American Express

TPG Editor's Rating

tooltip
4/5
  • 5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • 1.5X Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.

Intro Bonus
tooltip

125,000 points

Annual Fee

$595

Recommended Credit
tooltip

670-850
Good, Excellent
Why we chose it

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more.

Pros

  • Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
  • $200 annual statement credit for eligible U.S. Dell purchases
  • Gold status at Marriott and Hilton hotels (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required)
  • Extended warranty protection
  • International Airline Program
  • Cruise Privileges Program

Cons

  • Steep $595 annual fee
  • Difficulty meeting $15,000 welcome offer for smaller businesses
  • Limited high bonus categories outside of travel
  • The Points Guy Exclusive Offer: Earn 125,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Breeze through security with CLEAR® where available and get up to $179 back per year on your membership when you use your Card.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
  • See Rates & Fees
Best for business spending

American Express® Business Gold Card

Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

3.5/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

1 - 4X points
more info
  • 4XGet 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X1X is earned for other purchases. **
  • 25%Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

Intro Bonus

70,000 points
details

Annual Fee

$295

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4x points in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all.

Pros

  • You'll earn 4x Membership Rewards points in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year)
  • Pay for eligible flights booked with Amex Travel with points and get 25% of them back

Cons

  • Hefty $295 annual fee
  • No monthly or annual credits such as on the Amex Business Platinum or consumer Amex Gold
  • There may be better options for small businesses who don't spend a lot
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply
  • See Rates & Fees
Best for business spending

American Express® Business Gold Card

TPG Editor's Rating

tooltip
3.5/5
  • 4X Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X 1X is earned for other purchases. **
  • 25% Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

Intro Bonus
tooltip

70,000 points

Annual Fee

$295

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4x points in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all.

Pros

  • You'll earn 4x Membership Rewards points in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year)
  • Pay for eligible flights booked with Amex Travel with points and get 25% of them back

Cons

  • Hefty $295 annual fee
  • No monthly or annual credits such as on the Amex Business Platinum or consumer Amex Gold
  • There may be better options for small businesses who don't spend a lot
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply
  • See Rates & Fees
Best for booking cheap hotels across multiple brands

Hotels.com® Rewards Visa® Credit Card

Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
at Wells Fargo's secure site Terms & restrictions apply. See rates & fees

Rewards

more info
  • Collect 1 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card.

Intro Bonus

Get 2 Reward Nights Worth $250 Total
details

Annual Fee

$0

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

The Hotels.com Credit Card is the perfect match for those who are deal hunters and tend to stay across multiple hotel properties and brands when traveling. With no annual fee and hotel perks aplenty, you’re only gaining from owning this card. You’ll collect free reward nights easily and Silver membership for the first year of card ownership, which gets you perks such as free breakfast and airport transfers.

Pros

  • Stamp-based system where you’ll earn 1 stamp for every eligible night you book through Hotels.com, plus an additional stamp if you spend $500 or more on a booking. After 10 stamps, you get a free reward night (not including taxes and fees).
  • Solid ancillary perks such as no foreign transaction fees, trip cancellation and interruption insurance, cell phone protection

Cons

  • Unlike the other best hotel rewards cards on this list, the Hotels.com card won’t offer you bonus points for booking hotels with this card
  • After the first year, you lose your Silver membership unless you qualify for the elite status again
  • Limited Time Offer! Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.
  • Collect 1 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com
  • Choose from over 500,000 properties in 200+ countries around the world.
  • $0 Annual Fee
  • For the first year, you'll enjoy great stuff such as free breakfast, airport transfers, free WiFi and more at select properties.
  • No foreign currency conversion fee
  • Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when you passenger fare is booked with your card.
  • Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).
  • See Rates & Fees
Best for booking cheap hotels across multiple brands

Hotels.com® Rewards Visa® Credit Card

TPG Editor's Rating

tooltip
4/5
  • Collect 1 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card.

Intro Bonus
tooltip

Get 2 Reward Nights Worth $250 Total

Annual Fee

$0

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

The Hotels.com Credit Card is the perfect match for those who are deal hunters and tend to stay across multiple hotel properties and brands when traveling. With no annual fee and hotel perks aplenty, you’re only gaining from owning this card. You’ll collect free reward nights easily and Silver membership for the first year of card ownership, which gets you perks such as free breakfast and airport transfers.

Pros

  • Stamp-based system where you’ll earn 1 stamp for every eligible night you book through Hotels.com, plus an additional stamp if you spend $500 or more on a booking. After 10 stamps, you get a free reward night (not including taxes and fees).
  • Solid ancillary perks such as no foreign transaction fees, trip cancellation and interruption insurance, cell phone protection

Cons

  • Unlike the other best hotel rewards cards on this list, the Hotels.com card won’t offer you bonus points for booking hotels with this card
  • After the first year, you lose your Silver membership unless you qualify for the elite status again
  • Limited Time Offer! Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.
  • Collect 1 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com
  • Choose from over 500,000 properties in 200+ countries around the world.
  • $0 Annual Fee
  • For the first year, you'll enjoy great stuff such as free breakfast, airport transfers, free WiFi and more at select properties.
  • No foreign currency conversion fee
  • Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when you passenger fare is booked with your card.
  • Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).
  • See Rates & Fees

TPG Editor's Rating
tooltip

3.5/5
at Capital One's secure site

Rewards

1 - 8% cash-back
more info
  • 8%Earn 8% cash back on tickets at Vivid Seats through January 2023.
  • 3%Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1%Earn 1% on all other purchases.

Intro Bonus

$200
details

Annual Fee

$0

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

The Capital One SavorOne is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.

Pros

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card
  • The 0% intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases for 15 months (15.49% - 25.49% variable APR after)

Cons

  • If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards
  • The sign-up bonus isn’t anything to write home about (though it is easy to earn)
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee
Best for entertainment

Capital One SavorOne Cash Rewards Credit Card

TPG Editor's Rating

tooltip
3.5/5
  • 8% Earn 8% cash back on tickets at Vivid Seats through January 2023.
  • 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% Earn 1% on all other purchases.

Intro Bonus
tooltip

$200

Annual Fee

$0

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

The Capital One SavorOne is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.

Pros

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card
  • The 0% intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases for 15 months (15.49% - 25.49% variable APR after)

Cons

  • If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards
  • The sign-up bonus isn’t anything to write home about (though it is easy to earn)
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

1 - 6% cash-back
more info
  • 6%6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6%6% Cash Back on select U.S. streaming subscriptions
  • 3%3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3%3% Cash Back at U.S. gas stations
  • 1%1% Cash Back on other purchases

Intro Bonus

Up to $350
details

Annual Fee

$0 introductory annual fee for the first year, then $95.

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee that’s waived the first year.

Pros

  • This card has one of the best earning structures out for among cash-back credit cards
  • You’ll only pay a $95 annual fee, and it’s waived in the first year
  • The card comes with access to Amex Offers, which can save you even more money on specific purchases

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with large grocery budgets
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees
Best for U.S. supermarkets

Blue Cash Preferred® Card from American Express

TPG Editor's Rating

tooltip
4/5
  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% 6% Cash Back on select U.S. streaming subscriptions
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases

Intro Bonus
tooltip

Up to $350

Annual Fee

$0 introductory annual fee for the first year, then $95.

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee that’s waived the first year.

Pros

  • This card has one of the best earning structures out for among cash-back credit cards
  • You’ll only pay a $95 annual fee, and it’s waived in the first year
  • The card comes with access to Amex Offers, which can save you even more money on specific purchases

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with large grocery budgets
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees
Best for select U.S. department stores

Blue Cash Everyday® Card from American Express

Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

3/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

1 - 3% cash-back
more info
  • 3%3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2%2% cash back at U.S. gas stations and at select U.S. department stores.
  • 1%1% Cash Back on other purchases

Intro Bonus

Up to $250
details

Annual Fee

$0

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations.

Pros

  • 3% cash back at U.S. supermarkets
  • No annual fee
  • Unlimited 2% cash back at U.S. gas stations and select U.S. department stores
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with larger annual grocery spend
  • You’ll have to pay a 2.7% foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back.
  • Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
Best for select U.S. department stores

Blue Cash Everyday® Card from American Express

TPG Editor's Rating

tooltip
3/5
  • 3% 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% 2% cash back at U.S. gas stations and at select U.S. department stores.
  • 1% 1% Cash Back on other purchases

Intro Bonus
tooltip

Up to $250

Annual Fee

$0

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations.

Pros

  • 3% cash back at U.S. supermarkets
  • No annual fee
  • Unlimited 2% cash back at U.S. gas stations and select U.S. department stores
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with larger annual grocery spend
  • You’ll have to pay a 2.7% foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back.
  • Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
Best for intro APR and balance transfers

Citi® Diamond Preferred® Card

TPG Editor's Rating
tooltip

3/5
at Citi's secure site

Rewards

No current offer

Intro Bonus

No current offer
details

Annual Fee

$0

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

The Citi Diamond Preferred Card is designed for those looking to reduce their debt. Thanks to a convincing introductory APR and balance transfer offer. While you’ll still be subject to balance transfer (and other) fees, owning this card can help you strategically consolidate and reduce your debt. Beyond this, there’s not much else to offer as this card doesn’t offer the chance to earn any rewards on your purchases.

Pros

  • No annual fee
  • Fantastic introductory APR and balance transfer offer for those looking to consolidate and reduce their debt

Cons

  • No sign-up bonus
  • No opportunity to earn rewards on your purchases
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Best for intro APR and balance transfers

Citi® Diamond Preferred® Card

TPG Editor's Rating

tooltip
3/5
No current offer

Intro Bonus
tooltip

No current offer

Annual Fee

$0

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

The Citi Diamond Preferred Card is designed for those looking to reduce their debt. Thanks to a convincing introductory APR and balance transfer offer. While you’ll still be subject to balance transfer (and other) fees, owning this card can help you strategically consolidate and reduce your debt. Beyond this, there’s not much else to offer as this card doesn’t offer the chance to earn any rewards on your purchases.

Pros

  • No annual fee
  • Fantastic introductory APR and balance transfer offer for those looking to consolidate and reduce their debt

Cons

  • No sign-up bonus
  • No opportunity to earn rewards on your purchases
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Best for travel rewards with no annual fee

Capital One VentureOne Rewards Credit Card

TPG Editor's Rating
tooltip

3/5
at Capital One's secure site

Rewards

1.25X points
more info
  • 1.25XEarn unlimited 1.25X miles on every purchase, every day.

Intro Bonus

20,000 miles
details

Annual Fee

$0

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

If you feel like paying an annual fee negates your will to learn about travel rewards, the Capital One VentureOne is the perfect place to begin. With no annual fee and a simple 1.25x rate on all purchases, you’ll earn miles that can be used for travel purchases or transferred to Capital One’s 16 airline or three hotel partners.

Pros

  • No annual fee means that beginners can ease into the world of travel rewards with little stress.
  • Easy-to-remember 1.25x earning rate on all purchases.
  • Array

Cons

  • The sign-up bonus is outdone by most competing credit cards.
  • No bonus categories means that you may not necessarily maximize all your purchases to the fullest.
  • Array
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that
Best for travel rewards with no annual fee

Capital One VentureOne Rewards Credit Card

TPG Editor's Rating

tooltip
3/5
  • 1.25X Earn unlimited 1.25X miles on every purchase, every day.

Intro Bonus
tooltip

20,000 miles

Annual Fee

$0

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

If you feel like paying an annual fee negates your will to learn about travel rewards, the Capital One VentureOne is the perfect place to begin. With no annual fee and a simple 1.25x rate on all purchases, you’ll earn miles that can be used for travel purchases or transferred to Capital One’s 16 airline or three hotel partners.

Pros

  • No annual fee means that beginners can ease into the world of travel rewards with little stress.
  • Easy-to-remember 1.25x earning rate on all purchases.
  • Array

Cons

  • The sign-up bonus is outdone by most competing credit cards.
  • No bonus categories means that you may not necessarily maximize all your purchases to the fullest.
  • Array
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that

Best credit cards 2021

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Card Best for Welcome Offer/Sign Up Bonus Earning Rate Annual Fee
Capital One Venture Rewards Credit Card Non-bonus spending 60,000 miles
  • Earn unlimited 2X miles on every purchase, every day.
$95
The Platinum Card® from American Express Welcome bonus 100,000 points
  • Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$695
American Express® Gold Card Dining and takeout at restaurants 60,000 points
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$250
Citi Premier® Card Citi ThankYou Rewards 80,000 points
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
$95
Capital One Quicksilver Cash Rewards Credit Card Cash back $200
  • Earn unlimited 1.5% cash back on every purchase, every day
$0
The Business Platinum Card® from American Express Travel perks 125,000 points
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
$595
American Express® Business Gold Card Business spending 70,000 points
  • Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X is earned for other purchases. **
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
$295
Capital One SavorOne Cash Rewards Credit Card Entertainment $200
  • Earn 8% cash back on tickets at Vivid Seats through January 2023.
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • Earn 1% on all other purchases.
$0
Blue Cash Preferred® Card from American Express Supermarkets Up to $350
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% Cash Back on select U.S. streaming subscriptions
  • 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% Cash Back at U.S. gas stations
  • 1% Cash Back on other purchases
$0 introductory annual fee for the first year, then $95.
Hotels.com® Rewards Visa® Credit Card Best for booking cheap hotels across multiple brands Get 2 Reward Nights Worth $250 Total
  • Collect 1 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card.
$0
Capital One VentureOne Rewards Credit Card Best for travel rewards with no annual fee 20,000 miles
  • Earn unlimited 1.25X miles on every purchase, every day.
$0
Blue Cash Everyday® Card from American Express Department stores Up to $250
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases
$0
Citi® Diamond Preferred® Card Intro APR and balance transfers N/A N/A $0

This page includes information about the Discover it Student Cash Back and Discover it Cash Back that is not currently available on The Points Guy and may be out of date. 

Best credit card offers

The Platinum Card® from American Express

Why it’s the best card for welcome bonus: Right now, you’ll earn 100,000 points after you spend $6,000 in the first six months. But as part of this welcome bonus, you’ll also earn 10x on combined eligible purchases on the card at restaurants worldwide and when you “Shop Small” in the U.S., on up to $25,000 in combined purchases, during the first six months of card membership — which makes your potential earning from this bonus pretty lucrative! Not to mention that some cardholders are targeted for an even higher offer through CardMatch (offers subject to change at any time).

Pros: The Amex Platinum is one of the best cards on the market, with unparalleled lounge access, an assortment of travel and shopping credits, elite status with two hotel chains, and much more. If you travel frequently and value a luxury experience on the road, the Amex Platinum is certainly worth the high annual fee.

Cons: If you don’t travel enough to take advantage of the card’s full suite of benefits, you may be better off with a less-expensive card. Plus, outside of the temporary spending bonuses for new cardholders, you’ll only earn your bonus on certain travel purchases, which makes the card less-than-ideal for everyday spending.

Related: Amex Platinum review

American Express® Gold Card

Why it’s the best credit card for dining and takeout: If you eat out or order in on a regular basis, you’ll be hard-pressed to find a more powerful credit card than the American Express Gold. With 4x at dining at restaurants and up to $120 in dining credits each and every calendar year, the Amex Gold is designed specifically to maximize dining purchases and should be in every foodie’s purse or wallet. Plus, cardholders will receive up to $120 in annual U.S. Uber Cash  (which can be used for Uber Eats) (in $10 monthly credits) per calendar year. The Gold Card must be added in the Uber app to receive the Uber Cash benefit. Enrollment required for select benefits.

Pros: The American Express Gold has you covered across the board when it comes to food, whether you’re eating in or dining out. Not only does the card earn 4x at dining at restaurants, but you’ll get that same 4x at supermarkets in the U.S., up to $25,000 in purchases per calendar year (then 1x). On top of that, you’ll also earn 3x on all flights purchased directly with airlines or via Amex Travel.

Cons: The only travel bonus category is flights booked directly or through Amex, which makes this a mediocre card to handle travel purchases.

Related: Amex Gold review

Capital One Venture Rewards Credit Card

Why it’s the best credit card for non-bonus spending: You’re earning at least 2 miles per dollar on every purchase, which is great for a low-annual-fee credit card like the Venture. While there are certainly cards out there with higher bonus multipliers for specific purchases, the Venture is a great option to use for everyday spending that may not fit into another bonus category.

Pros: There aren’t many cards that get great value for both direct redemptions and transfers to partners, but the Capital One Venture Rewards credit card pulls it off. You can use Capital One miles to offset a number of travel (and temporarily some non-travel) purchases at a fixed value, or transfer them to any of Capital One’s 19 airline and hotel total loyalty partners, making the miles you’ll earn with this card infinitely flexible. And because you’re earning at least 2x on every purchase, you know you’re getting value no matter the spending category. With a bonus of 60,000 miles, this offer is worth $1,020 according to TPG valuations.

Cons: Compared to some of the other transferable currencies, Capital One’s transfer rates aren’t consistent across the board. While Capital One recently added a 1:1 transfer tier, some transfer at a 2:1.5 rate while some transfer at a 2:1 rate.

Related: Capital One Venture review

Chase Sapphire Preferred Card

Why it’s the best credit card for total value: We’ve long suggested the Chase Sapphire Preferred as a great option for those who are new to earning travel points, because it lets you earn valuable, transferable Chase Ultimate Rewards points with strong bonus categories and a reasonable $95 annual fee.

Pros: This card is a great beginner travel credit card, but it can still be valuable as part of a more seasoned award traveler’s wallet. It comes with an easy-to-manage annual fee, a great sign-up bonus worth $2,000 based on TPG valuations, a solid earning structure and some top-notch travel protections for a mid-tier credit card. Plus, Chase has been at the forefront of providing cardholders with additional perks during the COVID-19 pandemic through Sept. 30, 2021.

Cons: Because this is a mid-tier credit card, you aren’t getting benefits such as lounge access or travel credits. And while the standard bonus categories are broad enough to encompass a large number of purchases, the 2x multiplier is far from the industry high.

Related: Chase Sapphire Preferred review

Best business credit card offers

The Business Platinum Card® from American Express

Why it’s the best card for travel perks: The Business Platinum card is a perfect fit for business owners looking for luxury perks both when they’re on the road and at home conducting business. The card has numerous travel perks including airport lounge access, airline credits and travel protections, but also features business-friendly benefits such as credits when buying from Dell and extra points on large business purchases.

Pros: Your business can start out with buckets of points if you get the Business Platinum card now, since the card is offering a TPG-exclusive welcome offer of 125,000 points after meeting minimum spend requirements. Those bonus points are worth $2,500 in value based on TPG’s valuations, meaning your business will quickly find itself with more than enough points to start redeeming for travel. And with the card’s 35% Pay With Points rebate (up to 500,000 points back per calendar year), you don’t even have to search for award availability when redeeming points for first or business class to get great value for your earnings.

Cons: While the card does come with an extensive list of perks, most of those perks only pertain to travelers looking to upgrade their experience. Additionally, keep in mind that this card has limited bonus categories, which means it’s not a great option for everyday business spending.

Related: Amex Business Platinum Review

American Express® Business Gold Card

Why it’s the best card for business spending: The Amex Business Gold has a great earnings structure. You’ll get 4x on the top two categories your business spends the most in each month — the earnings are given automatically based on your spending habits each month.

Pros: The card is the perfect bridge between mid-tier business cards that offer limited perks but better spending categories and the higher-tier business credit cards that offer a laundry list of benefits but with limited spending categories. You’ll get a 25% points rebate on award travel booked with Amex Travel (up to 250k points back each calendar year), access to The Hotel Collection and an array of travel protections.

Cons: For high-budget businesses, the $150,000 annual spending cap on 4x rewards could hinder your earning potential. On the other hand, lower-budget businesses may have a hard time justifying the $295 annual fee (see rates and fees).

Related: Amex Business Gold Review

Ink Business Preferred Credit Card

Why it’s the best credit card for small businesses: The Ink Business Preferred is a great mid-tier small business credit card that offers a lot of value to business owners. The card has a great bonus right now, and you’re getting 3x across multiple business categories. All in all, it’s a great card any business owner should consider having in his or her wallet.

Annual fee: $95

Pros: You’ll earn 3x in the first combined $150,000 spent on travel, shipping, internet, cable and phone services and advertising on search engines and social media sites each account anniversary year. The points earned can be used for 1.25 cents each on the Chase Ultimate Rewards Travel Portal, or you can potentially get even more value by transferring to one of Chase’s partners. The card also comes with some great travel protections and cell phone protection. You’ll earn 100,000 Ultimate Rewards Points when you spend $15,000 in the first three months  from account opening, worth $2,000 according to TPG valuations.

Cons: The bonus does require a high spending threshold, which may not be possible for all small businesses—especially those that have smaller budgets in this current economic climate. The card also doesn’t come with perks such as lounge access, annual credits or other top-tier benefits. If those are important to you and your business, you’ll want to look elsewhere.

Related: Ink Business Preferred review

Best cash-back credit card offers

Blue Cash Preferred® Card from American Express

Why it’s the best credit card for supermarkets: The Blue Cash Preferred offers an impressive 6% cash back on the first $6,000 spent at U.S. supermarkets  (in addition to a number of other great bonus categories). If you’re spending more on grocery runs in 2021, then you know how those bills can add up. The Blue Cash Preferred offers an easy way to maximize those purchases with a low annual fee.

Pros: The Blue Cash Preferred is one of the best cash-back credit cards out there, and for good reason. You’re getting 6% cash back on select U.S. streaming services and the first $6,000 spent annually at U.S. supermarkets (then 1%), 3% on transit and U.S. gas stations and 1% on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits. Plus, it also comes with a solid intro APR offer on new purchases and a low $95 annual fee, waived the first year (see rates and fees).

Cons: Unlike Chase’s cash-back cards, you cannot pair the Blue Cash Preferred with Membership Rewards cards and turn your earnings into points. If you’re looking to save money on everyday expenses, cash back is a great option. But travelers may prefer points since you can get a higher value depending on your redemption.

Related: Amex Blue Cash Preferred review

Capital One SavorOne Cash Rewards Credit Card

Why it’s the best credit card for entertainment: With the Capital One SavorOne, you’ll earn 3% back on all entertainment purchases, dining, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Entertainment is an increasingly rare bonus category, and 3% back is a solid return for a no-annual-fee credit card.

Pros: For no annual fee, you’re earning 3% back on all dining entertainment purchases, and 1% on everything else.

Cons: If you’re spending a significant amount on dining and entertainment, you may be better off with the Capital One Savor Cash Rewards Credit Card, which offers an even more impressive return on the same bonus categories, but with a $95 annual fee.

Related: Capital One SavorOne review

The information for the Capital One Savor card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Citi® Double Cash Card

Why it’s the best credit card for cash back: The Citi Double Cash earns one of the highest flat-rates for any no-annual-fee cash back card. If you want a straight-forward way to earn cash back, this is a great option.

Pros: You’ll earn 2% back on every purchase (1% when you buy; 1% when you pay your bill), no matter the spending category. Beginners can use it as your primary spending card so that you don’t have to juggle bonus categories or spending caps, but more advanced cardholders can also pair it with other cards to round out a more robust card strategy. Citi also recently added the ability to convert Double Cash rewards into ThankYou points when you also have an eligible Citi ThankYou credit card.

Cons: The Citi Double Cash doesn’t come with a sign-up bonus. The card’s reward structure is enough of a draw for many people, but it’s currently the only card on our best credit cards list to not offer a new cardholder bonus to incentivize sign-ups.

Related: Citi Double Cash review

Best travel credit card offers

Chase Sapphire Reserve

Why it’s the best credit card for travel insurance: The Chase Sapphire Reserve is unmatched in the travel credit card space in the protections it offers cardholders, including trip cancellation/interruption insurance, primary auto rental collision damage waiverbaggage delay insurancetrip delay reimbursementroadside assistance, lost luggage reimbursement, travel accident insurance, travel and emergency assistance, emergency medical and dental benefit and more.

Pros: Whether you’re traveling locally or internationally, you should be able to find a place in your purse or wallet for the Chase Sapphire Reserve. The card comes with a solid earning structure of 3x on travel and dining, a $300 travel credit every year, access to more than 1,200 Priority Pass airport lounges and restaurants and more. Plus, the Chase Sapphire Reserve is one of the best cards to have during COVID-19 because Chase has continuously added new benefits to help cardholders who have put travel on hold through Sept. 30, 2021.

Cons: While the card does come with unmatched protections, keep in mind that a pandemic (including COVID-19) isn’t covered by the card’s trip cancellation/interruption insurance, trip delay insurance and other protections. Something else to consider is that this card doesn’t have a ton of luxury travel benefits for such a high annual fee.

Related: Chase Sapphire Reserve review

Best 0% APR and balance transfer credit card offers

Citi® Diamond Preferred® Card

Why it’s the best for 0% APR and balance transfers: While the Citi® Diamond Preferred® Card may not earn points of cash back, it has one of the longest available introductory balance transfer offers available. It has a 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% – 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

Pros: This card has no annual fee in addition to an APR rate that is tough to beat. While we never recommend carrying a balance on a card when you don’t have to, this card is a solid option if you’re looking for low interest and want a no-annual-fee card long-term.

Cons: The Citi Diamond Preferred Card does not provide any of the perks or points that other cards on this list may provide.

Related: Citi Diamond Preferred review

Best no-annual-fee credit card offers

Chase Freedom Unlimited®

Why it’s the best credit card for 0% intro APR: The Chase Freedom Unlimited is one of the best cash-back cards around because of its low cost and flexibility, but the card also comes with a solid 0% intro APR offer. You’ll have 15 months of 0% APR on new purchases (regular variable APR of 14.99%-23.74% applies after the intro period ends) to help you finance large purchases or pay down debt.

Pros: You’ll earn 1.5% cash back on purchases, without having to worry about restrictive bonus categories. You can also earn 5% back on travel booked through Chase, 3% on dining and 3% on drugstores.  If you also have an Ultimate Rewards card such as the Chase Sapphire Preferred Card or Ink Business Unlimited Credit Card, those basic points can be transformed into Ultimate Rewards points. You’ll then be able to redeem them at a higher rate through the Chase travel portal or transfer them to hotel and airline partners. Finally, you’ll earn $200 after you spend $500 in the first three months of account opening. Plus, earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Whether you’re looking for a one-and-done credit card to handle all of your spending or a no-annual-fee card to pair with your existing lineup, the Chase Freedom Unlimited is the card for you.

Cons: While 1.5% cash back on purchases is pretty standard for a no-annual-fee, flat-rate card, it also isn’t the highest earning rate available. Furthermore, if you do not have a Chase Ultimate Rewards card, your redemption options are more limited.

Related: Chase Freedom Unlimited review

Bank of America® Customized Cash Rewards credit card

Why it’s the best credit card for customized earning: The Bank of America Cash Rewards card allows you to choose the category in which you earn 3% cash back each month (up to a quarterly maximum), which means you have more control of your rewards structure. If your spending needs change throughout the year, this card can accommodate that.

Annual fee: $0

Current sign-up bonus: $200 back after you spend $1,000 within the first 90 days of account opening

Pros: You’ll be able to choose which category you earn 3% back in each month from the following list: gas, online shopping, dining, travel, drug stores or home improvement/furnishings. The card also earns 2% on groceries and wholesale clubs. It’s capped at up to $2,500 in combined purchases each quarter; then 1%. That’s a solid earning structure on its own, but those who qualify for the Preferred Rewards program with Bank of America can earn up to 5.25% back on the category of your choice and up to 3.5% on groceries and wholesale clubs. The sign-up bonus lets you earn $200 back after you spend $1,000 within the first 90 days of account opening. 

Cons: The card does come with a $2,500 spending cap in combined bonus spending each quarter. Additionally, you’ll have to have a pretty penny saved with Bank of America in order to take advantage of the Preferred Rewards program (at least $20,000 in combined, eligible Bank of America accounts).

Related: Bank of America Cash Rewards review

Capital One VentureOne Rewards Credit Card

Why it’s the best no-annual-fee credit card for travel rewards: The Capital One VentureOne is the little sister card to the Capital One Venture Rewards Card — but with no annual fee. You’ll still earn miles that are also transferable to Capital One’s 15+ airline and hotel transfer partners. Other benefits include no foreign transaction fees, travel accident insurance, secondary rental car coverage and extended warranty. Benefits only available to accounts approved for the Visa Signature card. Terms apply.

Pros: No annual fee means that you can focus on your earnings, and thankfully there’s a simplistic 1.25x rewards rate on all purchases. Unlock Capital One’s transfer program to discover the world of travel rewards.

Cons: The sign-up bonus is lackluster compared to other credit cards, and you may be missing out on opportunities to earn bonus rewards on top purchases like restaurants, groceries or gas.

Related: Capital One VentureOne review

Best low interest credit card offers

Blue Cash Everyday® Card from American Express

Why it’s the best credit card for select U.S. department stores: The Blue Cash Everyday is one of the only cards that offers points for select U.S. department store purchases year-round, and you’re getting a decent 2% return.

Pros: You’ll earn 3% back on U.S. supermarkets (up to $6,000 in purchases per calendar year; then 1%), 2% back on U.S. gas stations and select U.S. department stores and 1% back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.

Cons: All in all, the earning structure isn’t as impressive as other cash back credit cards on this list, including the card’s sibling, the Amex Blue Cash Preferred.

Related: Blue Cash Everyday review

Capital One Quicksilver Cash Rewards Credit Card

Why it’s the best credit card for low interest: The Capital One Quicksilver Cash Rewards Credit Card has a 0% intro APR on purchases for the first 15 months; 15.49%-25.49% variable APR after that along with no annual fee, no foreign transaction fees, and a solid flat-rate cash back earning rate.

Pros: This card is great for those who want a solid cash back credit card with a flat-rate earning structure and no bonus or rotating categories. The current one-time $200 cash bonus after you spend $500 on purchases within 3 months of account opening is also an easy sign-up bonus to hit.

Cons:  The Quicksilver rewards aren’t quite as flexible as its competitors, so if you plan to expand your portfolio at some point then you may want to consider a different card.

Related: Capital One Quicksilver review

Best secured credit card offers 

OpenSky® Secured Visa® Credit Card

Why it’s the best credit card for students: The OpenSky Secured Visa Credit Card is designed for those focusing on building (or rebuilding) their credit from the ground up. While there are no rewards, sometimes you need to start from the basics to move on to bigger and better credit cards. There’s a low annual fee of $35 per year. 

Pros: No bank account or credit check is required, opening up the eligibility requirements for virtually every applicant. Since this is a secured card, you set your own credit limit — defined by the amount you put down as a refundable security deposit. You can choose an amount anywhere from $200 to $3,000. 

Cons: There’s a $35 annual fee with the OpenSky, so this secured card is not exactly fee-free. The credit limit does not go above $3,000, so this may not be a great choice for someone who needs a higher spending threshold. 

Best student credit card offers

Discover it Student Cash Back

Why it’s the best credit card for students: The Discover it Student Cash Back is a no-annual-fee student card that comes with pretty much identical benefits as the standard version, but it’s easier to be approved for if you are a college student with little to no credit.

Pros: The Discover it Student Cash Back earns 5% on the first $1,500 spent each quarter on rotating categories each quarter you enroll. During Q3 2021, you’ll earn 5% back at restaurants and PayPal  (on the first $1,500 each quarter you activate; then 1%.) Students can potentially earn up to $300 in bonus rewards each year, and Discover will even match the cash back you earn at the end of your first year with the card. That means you could get up to $600 in rewards your first year on bonus spending alone. Additionally, students get a $20 statement credit each year your GPA is a 3.0 is higher (up to the next five years). And if you want to keep the Discover it Cash Back after college, you can always convert it over to the standard card when the time comes.

Cons: Like any rotating category card, you’re only earning 5% in select categories each quarter (on the first $1,500 in purchases each quarter you activate). This means if you want to be able to capitalize on restaurants and PayPal year-round, you’ll want another card that earns bonus points on those purchases all the time. Additionally, keep in mind that you have to enroll in bonus categories every quarter, which can be an extra headache for students already juggling a full plate of class assignments and exams.

The information for the Discover it Student Cash Back and Discover it Cash Back has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Research methodology

Finding the best credit card for you can be a stressful and overwhelming process, especially for beginners. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare.

We looked at sign-up bonus offers, earning structures and bonus categories, annual fees, redemption options and more to pick the best credit card offers available to you.

Choosing a credit card

Credit cards offer a convenient way to pay for purchases while building credit and earning points. There are hundreds of credit cards available, each with its own advantages and disadvantages. For instance, you might find a card with a strong balance transfer offer but no rewards, or the best travel card that has an annual fee. The key is to understand your individual needs and what cards you can qualify for based on your credit profile — then pick the best credit card that meets those requirements.

There are a number of factors to consider when choosing the right credit card for you. The top ones to keep in mind are:

Credit profile

Credit cards are available to people with a wide range of credit profiles, from those with excellent credit scores to folks that are rebuilding their credit or starting from scratch. There are credit cards you may be eligible for even if you don’t have a top-notch credit profile, but you should know before applying which cards you’re most likely able to get. That way you won’t waste time and a hard inquiry trying to get a card you won’t get approved for.

You might not be able to get a premium credit card without a strong credit profile, but by getting other cards and using them responsibly, you can build up your credit score over time and improve the likelihood that you’ll eventually be eligible for the very best credit cards.

Earning categories

The biggest advantage of most credit cards is how much you earn in rewards based on your spending. This means it’s important to pay attention to each card’s bonus categories, which are the types of purchases that earn extra value. Some of the most popular bonus earning categories include travel and dining purchases, but there are many other earning categories, from groceries to entertainment to streaming services to even fitness club memberships.

When choosing a credit card, you’ll want to match the card that best matches your personal spending patterns so you can maximize how many bonus categories you earn on a regular basis.

Interest and fees

Credit cards are notorious for having high interest rates, so it’s vital that you either avoid paying any interest at all by paying your bill in full each and every month or choose a card with a low interest rate. However, when it comes to fees, the calculation is a bit different, as it can sometimes make sense to pay an annual fee — even a substantial one — if the benefits you get from the card are worth the cost.

Annual fee

When choosing the right card for you, you’ll want to calculate how much value you think you’ll get from the card and then compare that amount to the card’s annual fee.  If you’re getting more in value than it’s costing you, then the card may be a good choice for you. You’ll also want to consider other fees that might apply to using the card, such as whether it charges foreign transaction fees when you use it on international purchases.

Hotel or airline loyalty

If you are someone who is particularly loyal to a hotel brand or airline, the best credit card for you might be one that comes with great travel perks like elite status, lounge access, room upgrades and complimentary breakfasts, among other things when you book with this card. Premium travel credit cards usually offer these fantastic benefits as well as travel insurance and payment protection. But if you don’t travel often or don’t have a preference on what hotel or airline you use, the sometimes hefty annual fee will not be worth it.

Will you carry a balance?

Ideally, you will pay off your balance in full each month to avoid paying interest. However, we realize, especially for big one-off purchases, this isn’t always possible. If you think that this might be the case, always lean towards a credit card with a low APR to avoid costly charges each month.

How do credit cards work?

The idea behind credit cards is simple — you’re borrowing money that you pay back later. If you take a while to pay it back, rather than pay it in full when your credit card statement comes, you’ll be charged interest. The amount is carried over to the next month and you pay interest on the whole balance (unless you’re on a special 0% deal). The entire credit cards industry exists on this basic premise.

Why not just borrow cash from a bank then? One of the biggest perks of using a credit card is the potential rewards you can earn from this type of payment for something – and that’s where TPG comes in, helping find the best credit card and reward program that’s right for you. These come in three main forms – cash back, points and miles and bonus earnings.

Different types of credit cards

Credit card companies offer different kinds of cards to meet different consumer needs. Some people put a lot of money on their cards every month and then pay them off immediately — those people benefit from a card that returns a portion of their spending in the form of rewards. Others tend to carry a balance from month to month — they’re better served with a card that offers a low ongoing interest rate. Still others are working to improve their credit — issuers have cards designed for those people, too.

Rewards credit cards

If you’re interested in frequent flyer miles, hotel points or a retailer’s rebate program, a rewards credit card could be right for you. Rewards credit cards offer proprietary points or miles that can be accumulated and redeemed for free goods, services or travel. In some cases, the rewards earned from certain credit cards can be transferred to a variety of other programs — these are known as flexible rewards.

The upside of rewards credit cards is that in some cases, you can leverage the points or miles to get more value from them than you would from cash. The downside is you must redeem the rewards within the issuer’s loyalty system.

Cash-back credit cards

There’s nothing more powerful than cold hard cash. If you’re just looking for money in your pocket, you’ll likely want a cash-back credit card. With a cash-back card, you’ll earn a percentage rebate on every purchase (i.e.: 1%, 2%, 2.5%) that adds up to cash in your account. Most cash-back cards provide the ability to redeem your earned cash back as either a statement credit against other charges on your card, as a check or direct deposit into your bank account, or in some cases for gift cards or at retail partners when making purchases.

No-annual-fee credit cards

Even though you can often get enough value from a credit card to offset the annual fee it charges, some people never want to pay an annual fee for a card. For those folks, there are plenty of no-annual-fee credit card choices on the market today. While you won’t find the top-end benefits, perks and earning rates of cards with annual fees on a free credit card, there are definitely worthwhile options that can earn you plenty of points or cash back.

Other types

There are also specific types of credit cards for businesses, for people looking to carry a balance at a low interest rate, for those loyal to a specific airline, hotel or retail brand and many other categories of cards.

Credit card FAQs

When is it time to get a new credit card?

To make sure you’re maximizing what a credit card can do for you, you should take time every 12 months to analyze your overall financial picture and determine if each of your current credit cards is serving your needs. If you aren’t racking up bonus earnings in the categories you spend in most often, or if you don’t have the travel benefits you need, or if you’re paying a high annual fee but aren’t taking advantage of a card’s features, it may be time to get a new credit card that better fits your requirements.

Keep in mind that circumstances change over time, and a credit card that was previously right for you may no longer be a good fit. With so many options on the market, there’s no reason to have the wrong credit card in your purse or wallet.

What should you know before applying for a credit card?

Before you sit down and fill out a credit card application, make sure you know your personal credit score (remember to check your score with all three major credit bureaus), as well as what features you want most in a credit card and the best options on the market with those features. It’s also important to know the application restrictions and rules for the specific financial institution that issues the card you want. You don’t want to waste time and a hard credit inquiry on a card you won’t be able to get.

How many credit cards should you get?

There is no right or wrong answer. It all depends on your spending habits and financial goals. Some TPG staffers have upwards of 19 credit cards, while others (like myself) only hold five or six. A goal for many pros is to never earn just 1% on any given purchase. Generally, this means having cards that earn bonus rewards in the categories you spend the most in each month and at least once card that earns a decent rewards rate on non-bonus spending. Additionally, many keep cards for the perks they offer.

If a slim wallet of two or three cards helps you hit your goals, then that’s the number of cards you should have. If a wallet filled with 20 or more helps you maximize spending and travel plans, then that’s valid, too. It’s all about your specific needs, wants, and spending habits.

Related: How many credit cards should you have? 

What is a credit card APR, and why should you care?

APR stands for annual percentage rate and is basically a percentage that helps you understand the cost of borrowing. In a nutshell, it’s the interest rate plus the additional charges of holding a balance on your credit card and as a rule of thumb the lower the APR the less interest you’ll pay over time.

Before you apply for a credit card, all lenders have to tell you the APR and it can help you make sure you’re getting the best deal if you are someone who typically holds a balance on a credit card.

APR can be a good way to compare different credit cards but it’s worth noting that what you actually pay in interest depends on how and when you pay off your debt.

Generally, APR rates on credit cards range from 15% to 25%. The higher your credit score, typically the lower the percentage. A good credit score makes it a lot easier to get a favourable APR, so improving your credit score is a good first step toward a better APR.

It’s worth noting that these rates are usually based on rates for making new purchases (e.g. buying something online or instore). Rates for other transactions, such as cash withdrawals or balance transfers, may be different.

What APR your credit card has affects how much you pay so it’s worth doing your research – some offer 0% APR for a promotional period on new purchases or balance transfers, but always check the terms and conditions carefully to make sure you’re aware of exactly what you’ll be paying.

Credit card issuers vs. payment networks vs. cobranded

Credit card terminology can be confusing for beginners. What’s the difference between an issuer, a card’s network and a cobranded company?

The issuing bank is the institution that provides the financial backing for a credit card. It will be the one that typically determines (and pays for) credit card rewards and benefits. Examples include Chase and Capital One. Payment networks, on the other hand, are the companies that process the transactions between a merchant and an issuer, such as Mastercard or Visa.

Some issuers also do their own payment processing, such as American Express or Discover. Cobranded credit cards pair a credit card issuer with a company to provide unique brand-specific earnings for a cardholder. As an example, let’s take the Hilton Honors American Express Surpass® Card. American Express is both the issuer and the payment network, while Hilton is the cobranded company.

Different credit card issuers

There are dozens of financial institutions that issue credit cards, from international banks to local credit unions. If you prefer individual attention and a one-on-one relationship with your issuer, you might want to look for a neighborhood bank that can offer you that level of attention.
As you search for the best credit card for your needs, it’s best to familiarize yourself with the different types of companies in the industry. Simply put, every credit card has an issuer and a network but many of also have co-brand partners which can open up another level of perks.

Remember, the largest issuers tend to be able to offer the most generous perks thanks to being able to leverage their size. So, if your focus is on the best earning rates and benefits, you might prefer to apply with the largest issuers with the most robust credit card portfolios. These issuers include Chase, American Express, Citi, Capital One, Barclays, Bank of America and Wells Fargo.

Issuers

The issuer is the bank that maintains your credit card account and is most likely to be a major bank like Chase, Capital One or Wells Fargo or it perhaps your local bank or credit union. The issuer sends your statement every month and collects your payments.

Network

The network acts as a “go-between” for all your credit card transactions. For instance, Visa, Mastercard, American Express and Discover are payment networks and they also determine where you can use your card. It’s worth noting too that American Express and Discover are special in that they are both issuers and networks.

Co-brand partner

The card partner is a store, airline, hotel or another brand whose name appears on the card and whose loyalty rewards program is tied to it. For instance, if you have an American Airlines credit card, you earn miles with your purchases. American operates the frequent-flyer program where you would use those miles. A branded card will also often offer other perks such as room upgrades for a hotel card or discounts for a store card.

Additional reporting by Stella Shon.

For rates and fees of the Amex Platinum card, click here.
For rates and fees of the Amex Gold card, click here.
For rates and fees of the Blue Cash Preferred, click here.
For rates and fees of the Blue Cash Everyday, click here.
For rates and fees of the Hilton Honors Business Card, click here.
For rates and fees of the Amex Business Platinum card, click here.
For rates and fees of the Amex Business Gold, click here.

Madison covers all things credit cards for TPG. A self-proclaimed adrenaline junkie, her travel bucket list includes swimming with sharks off the coast of South Africa, skydiving in Thailand and cliff jumping in Greece.
email-capture

The trip of a lifetime is just a few points away.

Make it a reality with our tips and advice

Keep reading