There are many credit cards available in the USA, each with its own unique features and benefits. The best credit card for you will depend on your individual needs and spending habits. However, here are some of the top credit cards in the USA based on their rewards, benefits, and features:
1. Chase Sapphire Preferred: This card is popular for its generous rewards program, which offers bonus points for travel and dining purchases. The points can be redeemed for cash, gift cards, or travel rewards. There is also a sign-up bonus for new cardholders.
2. American Express Gold Card: This card is known for its rewards program, which offers bonus points for purchases at restaurants and grocery stores. There are also travel benefits and a sign-up bonus for new cardholders.
3. Citi Double Cash Card: This card has no annual fee and offers cashback on all purchases. It also has a long 0% introductory APR period for balance transfers.
4. Capital One Venture Rewards: This card is known for its rewards program, which offers bonus points for travel purchases. The points can be redeemed for travel rewards or statement credits, and there is a sign-up bonus for new cardholders.
5. Discover it Cash Back: This card is popular for its cashback program, which offers 5% cash back on rotating categories and 1% cash back on all other purchases. There is also a sign-up bonus for new cardholders, and no annual fees.
6. Chase Freedom Unlimited: This card offers cash back rewards with no annual fee. Cardholders earn a flat rate of 1.5% cash back on all purchases, and there's also a sign-up bonus for new cardholders.
7. Blue Cash Preferred from American Express: This card offers cash back rewards for everyday purchases, including 6% cash back at supermarkets (up to $6,000 per year), 6% cash back on select streaming services, and 3% cash back on transit and gas. There's also a sign-up bonus for new cardholders.
8. Wells Fargo Propel American Express Card: This card offers a variety of rewards, including 3 points per dollar on dining, gas stations, rideshares, transit, and travel, and 1 point per dollar on other purchases. There's no annual fee, and no foreign transaction fees.
9. Capital One Quicksilver Cash Rewards: This card offers cash back rewards with no annual fee. Cardholders earn a flat rate of 1.5% cash back on all purchases, and there's also a sign-up bonus for new cardholders.
10. Bank of America Cash Rewards: This card offers cash back rewards for everyday purchases, including 3% cash back in a category of your choice (such as gas, online shopping, dining, travel, or drug stores), and 2% cash back at grocery stores and wholesale clubs. There's also a sign-up bonus for new cardholders.
It's important to research and compare different credit cards before choosing the one that best fits your needs and spending habits. You should also consider factors such as annual fees, interest rates, and credit limits when choosing a credit card.
Best 10 Credit Cards in USA
Chase Sapphire Preferred Card
Chase Sapphire Preferred is a credit card offered by Chase Bank. It is a popular travel rewards credit card that comes with a sign-up bonus, flexible reward redemption options, and other valuable benefits.
The card offers 2X points per dollar spent on travel and dining purchases, and 1 point per dollar spent on all other purchases. The points earned can be redeemed for travel, cashback, gift cards, or transferred to partner airline and hotel loyalty programs at a 1:1 ratio.
The card also comes with a variety of travel benefits, such as trip cancellation/interruption insurance, baggage delay insurance, and rental car insurance. Additionally, the card does not charge foreign transaction fees, making it a great option for international travel.
To apply for the Chase Sapphire Preferred card, you must have good to excellent credit. You can apply online through the Chase website or by visiting a Chase branch.
American Express Gold Card
The American Express Gold Card is a popular credit card offered by American Express. The card is designed for individuals who spend heavily on dining, groceries, and travel. Here are some of the features and benefits of the American Express Gold Card:
- Rewards Program: The card offers a rewards program that allows cardholders to earn points on eligible purchases. Cardholders earn 4x points at U.S. supermarkets (up to $25,000 per year in purchases, then 1x), 4x points at restaurants worldwide, 3x points on flights booked directly with airlines or on amextravel.com, and 1x points on all other eligible purchases.
- Welcome Offer: The card comes with a generous welcome offer that allows cardholders to earn bonus points after spending a certain amount within the first few months of account opening.
- Annual Fee: The card has an annual fee of $250 (as of 2023). However, the card offers a range of benefits that can help offset the cost of the fee.
- Travel Benefits: The card comes with a range of travel benefits, including a $100 airline fee credit, up to $120 in dining credits at select restaurants, and access to The Hotel Collection, which offers discounts and benefits at select hotels.
- Purchase and Travel Protections: The card offers a range of purchase and travel protections, including purchase protection, extended warranty, return protection, baggage insurance, and car rental loss and damage insurance.
Overall, the American Express Gold Card is a popular choice for individuals who want to earn rewards on their everyday spending and enjoy a range of travel benefits. However, it's important to consider whether the annual fee and spending requirements align with your spending habits before applying for the card.
Citi Double Cash Card
The Citi Double Cash Card is a credit card that offers cash back rewards on purchases. It is a popular card because it offers a flat rate of 2% cash back on all purchases, with no limit on how much you can earn.
The card also has a unique rewards structure where you earn 1% cash back on purchases when you make them, and then earn an additional 1% cash back when you pay for those purchases. This encourages cardholders to pay off their balance in full every month, which can be a good habit to help avoid interest charges.
In addition to the cash back rewards, the Citi Double Cash Card offers a 0% introductory APR on balance transfers for 18 months (13.99% - 23.99% variable APR thereafter) and no annual fee.
Overall, the Citi Double Cash Card is a good option for those who want to earn consistent cash back rewards on all purchases and have the ability to transfer a balance from another card with a high interest rate.
Capital One Rewards Card
Capital One Venture Rewards is a credit card offered by Capital One that allows cardholders to earn rewards on their purchases. The card offers a one-time bonus of 60,000 miles after spending $3,000 on purchases within the first three months of account opening. Additionally, cardholders earn 2X miles per dollar on all purchases, with no limit to the amount of miles that can be earned. The miles earned can be redeemed for travel, statement credits, gift cards, and more. The card also offers a range of travel benefits, including travel accident insurance, 24-hour travel assistance services, and auto rental collision damage waiver. The card has an annual fee of $95, which is waived for the first year.
Discover Cashback Card
Discover it Cash Back is a credit card offered by Discover Financial Services. It offers a cashback rewards program that allows cardholders to earn cashback on purchases made with the card. The card offers 5% cashback on up to $1,500 in purchases in rotating categories each quarter, and 1% cashback on all other purchases.
Some of the rotating categories that may be eligible for 5% cashback include gas stations, grocery stores, restaurants, and Amazon.com purchases. Discover also offers a cashback match program for new cardholders, where they will match all the cashback earned at the end of their first year with no limit.
The Discover it Cash Back card has no annual fee and offers other perks such as free FICO credit score monitoring, zero fraud liability, and no foreign transaction fees. However, it is important to note that this card has a higher interest rate compared to other credit cards, so it's important to pay off your balance in full each month to avoid accruing interest charges.
Chase Freedom Unlimited
Chase Freedom Unlimited is a credit card offered by JPMorgan Chase. It is a cash-back rewards card that earns 1.5% cash back on all purchases, with no limit to the amount of cash back you can earn. Additionally, the card offers a sign-up bonus for new cardholders who spend a certain amount within the first few months of opening the account.
The card also includes some other benefits, such as a 0% introductory APR for the first 15 months on purchases and balance transfers, and no annual fee. Cardholders can also use Chase's online and mobile banking tools to manage their account and track their rewards.
Overall, the Chase Freedom Unlimited is a popular choice for those who want a simple, no-fuss cash back credit card with a solid rewards program and no annual fee.
Blue Cash Preferred card
Blue Cash Preferred from American Express is a credit card that offers cashback rewards on eligible purchases. Some of the key features of this card include:
- Cashback rewards: Cardholders can earn 6% cashback at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 6% cashback on select U.S. streaming subscriptions, 3% cashback at U.S. gas stations and on transit purchases (such as taxis, ride-sharing services, and more), and 1% cashback on all other purchases.
- Welcome bonus: New cardholders can earn a $300 statement credit after spending $3,000 in purchases within the first six months of account opening.
- Annual fee: The card has an annual fee of $95.
- Introductory APR: Cardholders can enjoy a 0% introductory APR on purchases for the first 12 months after account opening. After that, the APR will vary based on the Prime Rate.
- Other benefits: The card also offers additional benefits such as purchase protection, extended warranty coverage, and access to American Express exclusive entertainment events.
Overall, the Blue Cash Preferred from American Express is a good option for people who spend a lot on groceries, streaming subscriptions, gas, and transit purchases, as the cashback rewards in those categories are high. However, the $95 annual fee may not be worth it for people who don't spend enough in those categories to offset the fee.
Wells Fargo Propel Card
The Wells Fargo Propel American Express Card is a credit card offered by Wells Fargo Bank that offers rewards for purchases in various categories. Here are some key features of the card:
- Rewards program: Cardholders earn 3 points per dollar spent on purchases in several categories, including dining, travel, gas stations, rideshares, and streaming services. They also earn 1 point per dollar spent on other purchases. Points can be redeemed for travel, cash back, merchandise, and more.
- Sign-up bonus: New cardholders can earn a sign-up bonus of 20,000 points if they spend $1,000 in the first 3 months after opening an account.
- No annual fee: The Wells Fargo Propel American Express Card does not charge an annual fee.
- Other perks: The card also offers other benefits, such as cell phone protection, 0% introductory APR for the first 12 months on purchases and balance transfers, and no foreign transaction fees.
Overall, the Wells Fargo Propel American Express Card can be a good option for people who spend a lot on dining, travel, gas, rideshares, and streaming services, and want to earn rewards for their purchases without paying an annual fee.
Quicksilver Cash Rewards Card
Capital One Quicksilver Cash Rewards is a credit card offered by Capital One that provides cashback rewards on purchases. Some of the key features of the Quicksilver card include:
- Cashback rewards: Cardholders earn unlimited 1.5% cash back on every purchase, every day.
- Sign-up bonus: New cardholders can earn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months of account opening.
- No annual fee: There is no annual fee for this card.
- No foreign transaction fees: The Quicksilver card does not charge any foreign transaction fees, making it a good choice for international travel.
- Introductory APR: The card offers a 0% introductory APR on purchases and balance transfers for the first 15 months of account opening, after which a variable APR of 15.49% - 25.49% will apply.
Overall, the Capital One Quicksilver Cash Rewards card can be a good option for people looking for a simple, straightforward cashback credit card with no annual fee.
BOA Cash Rewards Card
Bank of America Cash Rewards is a credit card offered by Bank of America that provides cash back rewards to cardholders. The rewards program allows cardholders to earn cash back on purchases made with the card, with different earning rates depending on the category of the purchase.
The card offers 3% cash back on a category of the cardholder's choice, such as gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. The card also offers 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases.
Additionally, new cardholders can earn a $200 cash rewards bonus after making $1,000 in purchases within the first 90 days of account opening.
The card has no annual fee and offers a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles. However, after the introductory period, a variable APR will apply based on the cardholder's creditworthiness.
Overall, the Bank of America Cash Rewards credit card can be a good choice for those who frequently make purchases in the card's 3% cash back category and want to earn cash back rewards on their everyday spending.
Best Student Credit Cards
There are many credit cards available in the United States that are specifically designed for students. Here are some of the best credit cards for students:
1. Discover it Student Cash Back: This card offers 5% cash back on rotating categories such as gas, restaurants, and Amazon.com purchases, as well as 1% cash back on all other purchases.
2. Journey Student Rewards from Capital One: This card offers 1% cash back on all purchases, with an additional 0.25% cash back if you pay your bill on time each month.
3. Bank of America Cash Rewards for Students: This card offers 3% cash back on a category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases.
4. Citi Rewards+ Student Card: This card offers 2X ThankYou points at supermarkets and gas stations for the first $6,000 per year in combined purchases, and 1X ThankYou points on all other purchases. Additionally, this card automatically rounds up to the nearest 10 points on every purchase.
5. Deserve EDU Mastercard for Students: This card offers 1% cash back on all purchases, with no annual fee, no foreign transaction fees, and no social security number required for international students.
6. Discover it Chrome for Students: This card offers 2% cash back at gas stations and restaurants up to $1,000 in combined purchases each quarter, and 1% cash back on all other purchases. Discover will also match all the cash back you've earned at the end of your first year.
7. Chase Freedom Student: This card offers 1% cash back on all purchases, with an additional 0.25% cash back if you make your payments on time. Additionally, you can earn a $50 bonus after your first purchase within the first 3 months of account opening.
8. Wells Fargo Cash Back College Card: This card offers 3% cash back on gas, grocery, and drugstore purchases for the first 6 months, and then 1% cash back on all other purchases. You can also get a 0.25% cash rewards bonus when you make your payments on time.
9. State Farm Student Visa: This card offers 1% cash back on all purchases, with no annual fee and a competitive interest rate. Additionally, you can earn rewards points that can be redeemed for discounts on State Farm products.
Remember that credit cards can be a useful tool to build credit and manage your finances, but it's important to use them responsibly. Always pay your bills on time and avoid carrying a balance to avoid interest charges. Also, be mindful of any fees associated with the card, such as annual fees or foreign transaction fees, and choose a card that fits your spending habits and financial goals.
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