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Money has evaluated hundreds of cards to find the best of the best in each category. Credit cards can provide numerous benefits, including cash back, miles, points, insurance policies and extended warranties. Our top picks include cards with no or low annual fees that can reward your everyday purchases whether it's on groceries, gas or travel.
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By:
José Omar Rodríguez
and
Christina Majaski
Feb 26, 2025 | Read the full methodology here.
Best Travel Credit Card
Chase Sapphire Preferred® Card
Chase
60,000 points after spending $4,000 in 3 months (worth $750 for travel through Chase)
5x points on travel through Chase Ultimate Rewards®, 2x points on dining and other travel purchases
Trip cancellation insurance, rental car coverage, access to Chase's travel portal
$95 annual fee; no foreign transaction fees
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Capital One Venture Rewards Credit Card
Capital One
75,000 miles after spending $4,000 in 3 months
2x miles on all purchases
TSA PreCheck/Global Entry credit, flexible mile redemption options
$95 annual fee; no foreign transaction fees
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American Express® Gold Card
American Express
60,000 Membership Rewards® points after spending $4,000 in 6 months
4x points at restaurants and on U.S. supermarkets (up to $25,000 annually), 3x points on flights booked directly with airlines
Dining credits, flexible Membership Rewards® points redemption
$250 annual fee; no foreign transaction fees
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The Platinum Card®
American Express
You may be eligible for as high as 175,000 points after you spend $8,000 in purchases on your new Card within the first 6 months of Card Membership.
5X Membership Rewards® Points
on up to $500,000 per calendar year on flights booked directly with airlines or through American Express Travel via AmexTravel.com or by calling 1-800-525-3355. 5X Membership Rewards® Points on eligible prepaid hotels booked at AmexTravel.com, including The Hotel Collection. 1X Membership Rewards® Points on other purchases
$200 Hotel Credit, $200 Uber Cash, $200 Airline Fee Credit, $199 CLEAR® Plus Credit, $240 Digital Entertainment Credit, $100 Shop Saks With PlatinumWalmart+ Monthly Membership Credit Complimentary Access to The American Express Global Lounge Collection
$695 annual fee; no foreign transaction fees
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Citi Premier® Card
Citi
60,000 ThankYou® Points after spending $4,000 in 3 months
3x points on air travel, hotels, restaurants, supermarkets, and gas stations
Points transferable to airline partners, no expiration on points
$95 annual fee; no foreign transaction fees
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Best for Cash Back
Blue Cash Preferred® Card
American Express
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. 3% cash back on transit, including taxis/rideshare, parking, tolls, trains, buses, and more. 1% cash back on other purchases.
$300 statement credit after spending $3,000 in the first 6 months.
0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable APR, 18.24% to 29.24%.s. Purchase protection and extended warranty.
$0 intro annual fee for the first year, then $95.
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Chase Freedom Flex®
Chase
0% intro APR for 15 months from account opening on purchases and balance transfers. After the intro period, a variable APR of 19.74%–28.49%.
$200 bonus after spending $500 in the first 3 months.
5% cash back on rotating quarterly categories (up to $1,500 per quarter, then 1%). 5% cash back on travel booked through Chase Ultimate Rewards®. 3% cash back on dining and drugstore purchases. 1% on all other purchases.
No annual fee.
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Discover it® Cash Back
Discover it
5% cash back on rotating categories (often includes groceries and wholesale clubs, up to $1,500 per quarter). 1% cash back on all other purchases.
Discover will match all the cash back earned in your first year (unlimited).
0% intro APR for 15 months on purchases and balance transfers. Free credit score monitoring.
No annual fee.
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Active Cash® Card
Wells Fargo
2% cash rewards on every purchase.
$200 cash rewards after spending $500 in the first 3 months.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers; thereafter, a variable APR of 19.49%, 24.49%, or 29.49%.
No annual fee
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Citi® Double Cash Card
Citi
Earn 2% cash back on all purchases: 1% when you buy and an additional 1% as you pay off those purchases.
No sign-up bonus.
No annual fee; 0% intro APR on balance transfers for 18 months; then variable APR applies.
$0
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Best Cards Rankings
Here are our top picks for the best credit cards of 2025 across 10 different categories: No Annual Fee, 0% APR, Students, Airline, Travel Rewards, Hotels, Groceries, Retail, Cash-Back, and New.
Best Airline Credit Card
Alaska Airlines Visa Signature® Credit Card
Alaska
- 3 miles for every $1 spent on eligible Alaska Airlines purchases.
- 1 mile for every $1 spent on all other purchases. Bank of America
50,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees) after qualifying purchases. Bank of America
Free checked bag on Alaska flights for you and up to 6 guests on the same reservation.
Alaska's Famous Companion Fare™ every year on your account anniversary. Bank of America
$75 annual fee. Bank of America
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Delta SkyMiles® Gold Card
American Express
2X Miles on Delta purchases, at restaurants worldwide, and at U.S. supermarkets; 1X Mile on other eligible purchases.
Earn 70,000 bonus miles after spending $2,000 in purchases on your new Card within the first 3 months.
First checked bag free on Delta flights; Main Cabin 1 Priority Boarding; 20% savings on in-flight purchases.
$0 introductory annual fee for the first year, then $99.
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United℠ Explorer Card
United Explorer
7x miles on United flights; 5x miles on fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Explorer Card. 4x miles on United Hotels; 2x miles from United as a MileagePlus member, plus 2x miles earned with the United Explorer Card; 2x United, dining, hotels; 1x other.
Earn 60,000 miles after $3,000 spend in 3 months.
Free checked bag, priority boarding, 2 United Club passes/year; $120 credit for TSA
$95 (waived first year)
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JetBlue Plus Card
Jet Blue
- 6X points on eligible JetBlue purchases.
- 2X points at restaurants and eligible grocery stores.
- 1X points on all other purchases.
Earn 50,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days.
Free first checked bag for you and up to 3 eligible travel companions on JetBlue-operated flights.
Get 10% of your points back after you redeem for and travel on a JetBlue-operated Award Flight.
Receive a $100 statement credit after you purchase a JetBlue Vacations package of $100 or more with your JetBlue Plus Card. Limit one statement credit per year.
No foreign transaction fees.
$99
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Frontier Airlines World Mastercard®
Frontier Airlines
- 5X miles on eligible purchases at flyfrontier.com.
- 3X miles on eligible restaurant purchases.
- 1X miles on all other purchases.
Earn 50,000 bonus miles plus a $100 Flight Voucher after spending $500 on purchases and paying the annual fee in full, both within the first 90 days of account opening.
Unlock Instant Elite Gold Status after first purchase with your card, in the first 90 days after account opening.
Two free checked bags on Frontier flights.
Earn a $100 Flight Voucher every account anniversary after spending $2,500 or more on purchases with your card during your cardmembership year.
Miles never expire as long as your account is open and in good standing.
$99
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Best Retail Credit Card
Prime Visa
Prime
Get a $100 Amazon Gift Card instantly upon approval with an eligible Prime membership
Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% back on all other purchases.
No foreign transaction fees, extended warranty coverage
$0 annual fee (Prime required)
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Target Circle™ Card
Target Circle
$50 In Circle Rewards when you spend $50 on your Circle Credit Card within the first 60 days following approval.
5% discount at Target and Target.com
Free 2-day shipping; additional 30 days for returns and exchanges
$0
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Costco Anywhere Visa® Card by Citi
Citi
None
4% cashback on gas, 3% on dining, 2% back at Costco and Costco.com; 3% cashback on dining and travel
No foreign transaction fees, extended warranty coverage
No annual fee (Costco membership required)
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My Best Buy® Credit Card
Citi
5% back on purchases at Best Buy for the first 6 months
5% back in rewards for Best Buy purchases.
Special financing on purchases over $299.
$0
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Lowe's Advantage Card
Lowe's
5% off your first purchase
5% off on eligible purchases at Lowe’s.
Special financing options for larger purchases.
$0
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Gap Inc. Visa Credit Card
Gap Inc.
20% off first purchase
5 points per $1 spent at Gap, Banana Republic, and Old Navy stores.
Free shipping, bonus points during promotional periods.
$0
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Nordstrom Rewards Credit Card
Nordstrom
Upon approval, unlock a future-use $40Bonus Note with a same-day purchase.
Earn 2 points per $1
Nordstrom Anniversary Sale early access
$0
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American Eagle Outfitters Credit Card
American Eagle
20% off your first purchase*
Earn 16% back in rewards on every AE & Aerie purchase when you open and use a Real Rewards credit card
Free shipping & returns, always; 20% off coupon 1x per year; $5 birthday reward
$0
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Best New Credit Card
Wells Fargo Attune℠ Card
Wells Fargo
$100 cash rewards after spending $500 in the first 3 months. Plus, Wells Fargo will donate $50 to (a national nonprofit organization) once you qualify for the initial bonus.
4% cash rewards on self-care, select sports, recreation & entertainment and planet friendly purchases (including EV charging stations, public transportation, and purchasing select second hand and vintage); 1% cash rewards on other purchases.
$0 annual fee and an introductory APR of 0% for 12 months on purchases. The regular APR is 19.24% - 29.24%
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Business Altitude™ Power World Elite
U.S. Bank
Earn 75,000 bonus points on up to a $750 value after spending $10,000 in the first 120 days of opening your account.
2X points on all purchases; 2.5X points on up to $5,000 in mobile wallet purchases each quarter;
No foreign transaction fees
$195 for Account Owners and $0 for Authorized Employees.
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Instacart Mastercard
Instacart
$50 Instacart credit automatically upon approval
5% cash back on Instacart app and Instacart.com purchases; 5% cash back on travel purchased through the Chase Travel Center; 2% cash back at restaurants, gas stations, and on select streaming services; 1% cash back on all other purchases
World Elite Concierge® Baggage Delay Insurance Extended Warranty Protection Purchase Protection
$0
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TD FlexPay Credit Card
FlexPay
None
None
0% intro APR for 18 billing cycles on balance transfers; 18.49%-28.49% APR; First late fee waived every year
$0
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Capital Vacations® World Mastercard®
Capital Vacations
Earn 5,000 Bonus Rewards after making your first purchase.
5X Rewards For every $1 spent on all eligible Capital Vacations purchases, including maintenance fees, exchange fees, and Lifestyles; 2X Rewards for every $1 spent on all eligible RCI, travel, gas and EV charging purchases; Earn 1X Rewards for every $1 spent on all other eligible purchases
0% introductory APR for 15 months for each balance transfer made within 45 days of account opening. After that, a variable APR will apply, 19.99% to 29.99%, based on your creditworthiness and other factors. There is a fee for balance transfers; No foreign transaction fees; 3-night Capital Vacations Resort Stay Certificate After spending $10,000 in net purchases each calendar year.
$0
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Best for 0% Intro APR
Citi Simplicity® Card
Citi
0% Intro APR: 21 months on balance transfers; 12 months on purchases.
Go-To APR: 19.24% to 29.99% variable APR.
None
Free access to FICO® scores.
No annual fee.
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Reflect® Card
Wells Fargo
0% introductory APR for 21 months from date of account opening. After that, your APR will be 17.49%, 23.99%, or 29.24%, based on your creditworthiness.
None
Cell phone protection is included when paying your monthly phone bill with the card.
No annual fee,
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Chase Slate Edge®
Chase
0% Intro APR: 18 months on purchases and balance transfers.
Go-To APR: 20.24% to 29.99% variable APR.
None.
Lower your APR by 2% annually when you make on-time payments and spend at least $1,000 in a year.
Automatically review credit limit increases after 6 months.
No balance transfer fee for the first 60 days (then up to 5% or $5 minimum).
No annual fee.
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Citi® Diamond Preferred® Card
Citi
0% Intro APR: 21 months on balance transfers. 12 months on purchases.
Go-To APR: 18.24% to 28.99% variable APR.
None
Free access to FICO® scores.
No annual fee.
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Discover it® Cash Back
Discover it
0% Intro APR:
15 months on purchases and balance transfers.
Go-To APR:
17.24% to 28.24% variable APR.
Cashback Match™: All cash back earned in the first year is matched.
5% cash back on rotating quarterly categories (up to $1,500, activation required). 1% cash back on all other purchases. Categories vary quarterly and can include Amazon.com, grocery stores, restaurants and gas stations.
No annual fee
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Best Hotel Credit Card
Hilton Honors Aspire Card
American Express
14x points at Hilton, 7x at U.S. restaurants, supermarkets, and gas stations, 3x on other purchases
150,000 Hilton Honors Bonus Points after spending $4,000 in 3 months
Complimentary Diamond Elite status, Priority Pass™ Select membership, Free weekend night reward, $250 resort credit, no foreign transaction fees
Annual Fee: $450, APR: 20.24% to 29.24%
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Marriott Bonvoy Brilliant® American Express® Card
American Express
6x Bonvoy points at Marriott, 3x on U.S. restaurants and flights booked with airlines, 2x on other purchases
150,000 Marriott Bonvoy Bonus Points after spending $5,000 in 3 months
Complimentary Gold Elite status, Free Night Award (35,000 points), $300 dining Marriott statement credit, no foreign transaction fees
Annual Fee: $450, APR: 20.24% to 29.24%
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Choice Privileges® Select Mastercard®
Choice Privileges
10X points on stays at participating Choice Hotels® properties and on Choice Privileges point purchases; 5X points on purchases at gas stations, grocery stores, home improvement stores, and phone plan services; 1X points on other purchases.
60,000 bonus points after spending $3,000 in purchases in the first 3 months.
Higher status and faster earning for Choice Privileges members.
$95 annual fee.
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World of Hyatt Credit Card
World of Hyatt
4x points at Hyatt, 2x at restaurants, airlines, and fitness clubs, 1x on other purchases
60,000 World of Hyatt points after spending $5,000 in 3 months
1 free night (category 1–4) after $15,000 spend annually, Complimentary Discoverist status, no foreign transaction fees
Annual Fee: $95, APR: 20.24% to 27.24%
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Best Western Rewards® Premium Visa Signature® Card
Best Western Rewards
20 points per $1 spent on Best Western purchases, which includes 10 points as a Best Western Rewards® member and an additional 10 points for using the card. Earn 4 points per $1 on gas station and grocery store purchases.
Earn 2 points per $1 on all other purchases.
Earn 80,000 bonus points after spending $3,000 in the first 3 billing cycles.
No foreign transaction fees Up to Two Free Night Awards Each Anniversary, Automatic Platinum Elite Status
Annual Fee: $89, APR: 25.99% to 29.99%
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Best Student Credit Card
Discover it® Student Cash Back
Discover it
Unlimited Cashback Match at the end of the first year
5% cash back on rotating categories (quarterly, including gas, grocery stores, dining, entertainment)
Rotating categories like gas, streaming services, restaurants, and entertainment; $20 credit for good grades (3.0+ GPA).
$0 Annual Fee; 17.49%-26.49% variable APR
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Customized Cash Rewards for Credit Card for Students
Bank of America
$200 online cash rewards bonus after spending $1,000 in the first 90 days
3% cash back in a category of your choice (e.g., gas, online shopping, dining, entertainment, etc.)
Students can customize rewards to gas, entertainment, or dining categories monthly.
$0 Annual Fee; 18.24%-28.24% variable APR
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Quicksilver Rewards for Students
Capital One
$50 cash bonus after spending $100 on purchases within the first 3 months
Unlimited 1.5% cash back on every purchase, every day
No foreign transaction fees; CreditWise® credit monitoring; $0 Fraud Liability
$0 Annual Fee; 19.49%-29.49% variable APR
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Travel Rewards Credit Card for Students
Bank of America
25,000 bonus points after spending $1,000 in the first 90 days, redeemable for $250 travel credit
Unlimited 1.5 points per $1 on all purchases
No foreign transaction fees; Free FICO® Score monitoring
$0 Annual Fee; 18.24%-28.24% variable APR
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Chase Freedom Rise®
Chase
None
1.5% cash back for each $1 spent
$25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days; automatically evaluated each year to upgrade to your first Chase Freedom Unlimited card.
$0 Annual Fee; 25.99% variable APR
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Best Grocery Credit Card
Blue Cash Preferred® Card
American Express
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. 3% cash back on transit, including taxis/rideshare, parking, tolls, trains, buses, and more. 1% cash back on other purchases.
$300 statement credit after spending $3,000 in the first 6 months.
0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable APR, 18.24% to 29.24%.s. Purchase protection and extended warranty.
$0 intro annual fee for the first year, then $95.
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Chase Freedom Flex®
Chase
5% cash back in rotating categories (often includes grocery stores and wholesale clubs, up to $1,500 per quarter). 5% cash back on travel booked through Chase. 3% cash back on dining and drugstores. 1% cash back on all other purchases.
$200 bonus after spending $500 in the first 3 months.
0% intro APR for 15 months from account opening on purchases and balance transfers. After the intro period, a variable APR of 19.74%–28.49%.
No annual fee.
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Discover it® Cash Back
Discover it
5% cash back on rotating categories (often includes groceries and wholesale clubs, up to $1,500 per quarter). 1% cash back on all other purchases.
Discover will match all the cash back earned in your first year (unlimited).
0% intro APR for 15 months on purchases and balance transfers. Free credit score monitoring.
No annual fee.
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American Express® Gold Card
American Express
4X Membership Rewards® Points at restaurants worldwide on up to $50,000 per year in purchases;
4X Membership Rewards® Points At U.S. supermarkets, on up to $25,000 per year in purchases 3X Membership Rewards® Points for flights booked directly with airlines or on amextravel.com 1X Membership Rewards® Points per dollar spent on all other eligible purchases.
You may be eligible for as high as 100,000 points after you spend $6,000 in purchases on your new Card within the first 6 months of Card Membership.
$120 Uber Cash on Gold
$325 annual fee; no foreign transaction fees
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Citi Custom Cash® Card
Citi
5% cash back in your top spending category each billing cycle (up to $500 spent, then 1%). Eligible categories include groceries. 1% cash back on all other purchases. (Additional eligible categories like dining, gas stations, travel, and streaming services.
$200 cash back after spending $1,500 in the first 6 months.
0% intro APR for 15 months on purchases and balance transfers. Then 19.24% – 29.24%
No annual fee.
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Best No Annual Fee Card
Blue Cash Everyday® Card from American Express
American Express
0% Intro APR: 15 months on purchases and balance transfers.
Go-To APR: 19.24% to 29.99% variable APR after the intro period.
Earn a $200 statement credit after spending $2,000 in purchases within the first 6 months.
Earn 3% cash back at U.S. supermarkets (up to $6,000 annually, then 1%). 3% cash back at U.S. gas stations and on online retail purchases (up to $6,000 annually, then 1%).
1% cash back on all other purchases.
No annual fee.
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Discover it® Cash Back
Discover it
0% Intro APR:
15 months on purchases and balance transfers.
Go-To APR:
17.24% to 28.24% variable APR.
Cashback Match™: All cash back earned in the first year is matched.
5% cash back on rotating quarterly categories (up to $1,500, activation required). 1% cash back on all other purchases. Categories vary quarterly and can include Amazon.com, grocery stores, restaurants and gas stations.
No annual fee
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Citi Custom Cash® Card
Citi
5% cash back in your top spending category each billing cycle (up to $500 spent, then 1%). Eligible categories include groceries. 1% cash back on all other purchases. (Additional eligible categories like dining, gas stations, travel, and streaming services.
$200 cash back after spending $1,500 in the first 6 months.
0% intro APR for 15 months on purchases and balance transfers. Then 19.24% – 29.24%
No annual fee.
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Capital One Savor Cash Rewards Credit Card
Capital One
3% cash back at restaurants; 3% cash back at grocery stores; 3% cash back on entertainment; 3% cash back on eligible streaming services. 5% cash back on hotels and rental cars booked through Capital One Travel. 8% cash back on Capital One Entertainment purchases. 1% cash back on other purchases.
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
0% intro APR on purchases and balance transfers for 15 months; 19.24%-29.24% variable APR after that;
No annual fee.
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Chase Freedom Flex®
Chase
0% intro APR for 15 months from account opening on purchases and balance transfers. After the intro period, a variable APR of 19.74%–28.49%.
$200 bonus after spending $500 in the first 3 months.
5% cash back on rotating quarterly categories (up to $1,500 per quarter, then 1%). 5% cash back on travel booked through Chase Ultimate Rewards®. 3% cash back on dining and drugstore purchases. 1% on all other purchases.
No annual fee.
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