Top 10 Credit Cards
Credit cards are a secure payment method that can help you manage your money, raise your credit score and earn rewards and perks. But they can also lead to debt if used poorly.
The best credit cards offer a range of benefits and features designed to fit your lifestyle. These include lengthy introductory APR offers, welcome bonuses, and favorable terms and conditions.
Chase Sapphire Preferred
With a generous sign-up bonus, a flexible points rate, and various valuable travel protections, the Chase Sapphire Preferred is one of our top picks for a midrange credit card.
The card has a $95 annual fee but offers bonus points on travel purchases and various everyday spending categories, no foreign transaction fees, and dedicated customer service. It also includes travel and dining benefits, including up to $50 of annual Ultimate Rewards hotel credit, trip delay reimbursement, and baggage delay insurance.
Capital One SavorOne
Capital One SavorOne is a card for consumers who spend a lot on food and entertainment. It offers elevated rewards for these types of spending and a higher sign-up bonus than most cards.
The card automatically earns unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart or Target), 5% cash back on hotels and rental cars booked through Capital One Travel, and 1% on everything else.
Capital One SavorOne Student
The Capital One SavorOne Student card is an excellent option for college students looking to earn cash back without paying an annual fee. Its 3% cash back on dining, entertainment, and select streaming services makes saving money easy.
This card also offers an excellent lineup of fringe benefits, including travel accident insurance and extended warranties on eligible purchases. It also has unique features, like a card lock feature and fraud prevention measures.
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Alliant Cashback Credit Card
The Alliant Cashback Credit Card is one of the best flat-rate cash-back cards. It offers an exceptional rewards rate of 2.5% on purchases and does not require an annual fee.
It’s ideal for high spenders willing to open a checking account at Alliant and maintain an average daily balance of $1,000 during the prior quarter. Then they’ll qualify for Tier Two rewards, which earn 2.5% cash back on up to $10,000 in eligible purchases each billing cycle.
Citi Double Cash
The Citi Double Cash is an excellent simple, flat-rate cash-back card option. It offers a flat rate of 2% back on purchases, charges no annual fee, and comes with an introductory balance transfer offer.
It also has an identity theft protection service and can help you manage high-interest debt. However, it must include some of the perks and benefits other credit cards offer.
Chase Ink Business Cash
The Ink Business Cash card is an excellent option for businesses that spend heavily on office supplies and telecommunications services. It offers 5% back on these purchases (up to $25,000 per year), plus 2% back on gas and dining.
However, comparing the Ink Business Cash with other cash-back cards is a good idea. Some offer better rewards in specific categories or have higher spending limits.
Apple Card
Apple Card is a no-fee credit card that offers a secure way to manage your finances from your iPhone. It also provides Daily Cash rewards when you spend online or in-store, including 3% Daily Cashback on purchases directly from Apple and 2% when paying with Apple Pay at select merchants.
It also comes with financial insights and expense tracking that can use for solopreneurs. Its financial health tools help small businesses save money on card fees and improve the visibility and management of their expenses.
Citi Double Cash Card
The Citi Double Cash Card is an excellent choice for consumers who want a no-hassle credit card that earns 2% cash back. Its $0 annual fee and high rewards rate can help you quickly rack up a large amount of cashback.
This card also offers one of the market’s most extended introductory balance transfer periods. That means new cardholders can get an 18-month interest-free period to pay down debt, reducing their interest costs and helping them stay on top of their financial goals.
Capital One SavorOne Cash Rewards Credit Card
If you’re a foodie and enjoy frequent entertainment spending, the Capital One SavorOne Cash Rewards Credit Card can be a good choice. It offers higher-than-average cash back in the restaurant and entertainment categories and a lucrative welcome bonus.
For many consumers, the most significant benefit of this card is the elevated 4% cash back on dining and entertainment purchases. This is an excellent deal compared to other credit cards.
Capital One SavorOne Student Cash Rewards Credit Card
The Capital One SavorOne Student Cash Rewards Credit Card is great for students looking to build their credit history. It offers accelerated cash back in popular spending categories and no annual and foreign transaction fees.
The card earns unlimited 3% cash back on dining, entertainment, grocery stores, and popular streaming services purchases. In addition, it has a 1% cash-back rate on all other purchases.
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