Best Money's Top Credit Cards

Chase Sapphire Preferred® Card

Our rating:4.9

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

5x: 5x on travel purchased through Chase Ultimate Rewards®
3x: 3x on dining
2x: 2x on all other travel purchases, plus more

Intro offer: 60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

Annual fee: $95

Regular APR: 21.49% - 28.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

Overall rating

Our rating:4.9

Rating methodology

Rewards Value:: 4.8
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 5.0
Features:: 3.0
Issuer Customer Experience:: 4.0

Highlights

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Member FDIC

Rates & Fees

Annual Fee: $95
Intro Purchase APR: N/A
Regular APR: 21.49% - 28.49% Variable
Intro Balance Transfers APR: N/A

Blue Cash Preferred® Card from American Express

Our rating:4.6

See Rates & Fees, Terms Apply

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

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 offer: Earn $250 Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Annual fee: $0 intro annual fee for the first year, then $95.

Regular APR: 19.24% - 29.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.6

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 3.0
Features:: 3.0
Issuer Customer Experience: 5.0

Highlights

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
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.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That's $10 in statement credits each month. Enrollment required.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
Terms Apply.

Rates & Fees

Annual Fee: $0 intro annual fee for the first year, then $95.
Intro Purchase APR: 0% on purchases for 12 months
Regular APR: 19.24% - 29.99% Variable
Intro Balance Transfers APR: 0% on balance transfers for 12 months

American Express® Gold Card

See Rates & Fees, Terms Apply

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

4X: Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
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 offer: 60,000 Membership Rewards® Points Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Annual fee: $250

Regular APR: See Pay Over Time APR

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

Highlights

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., 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: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.

Rates & Fees

Annual Fee: $250
Intro Purchase APR: N/A
Regular APR: See Pay Over Time APR
Intro Balance Transfers APR: N/A

Chase Sapphire Reserve®

Our rating:5.0

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Rewards rate

10x: Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5x: Earn 5x total points on flights through Chase Ultimate Rewards®.
3x: Earn 3x points on other travel and dining.
1x: Earn 1 point per $1 spent on all other purchases

Intro offer: 60,000 points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

Annual fee: $550

Regular APR: 22.49% - 29.49% variable

Recommended credit: 740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

Overall rating

Our rating:5.0

Rating methodology

Rewards Value:: 4.9
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 5.0
Features:: 4.0
Issuer Customer Experience: 4.0

Highlights

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Member FDIC

Rates & Fees

Annual Fee: $550
Intro Purchase APR: N/A
Regular APR: 22.49% - 29.49% Variable
Intro Balance Transfers APR: N/A

Blue Cash Everyday® Card from American Express

Our rating:4.8

See Rates & Fees, Terms Apply

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Rewards rate

3%: 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%: 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%: 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%: 1% Cash Back on other purchases.

Intro offer: Earn $200 Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Annual fee: $0

Regular APR: 19.24% - 29.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.8

Rating methodology

Rewards Value:: 4.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 2.0
Features:: 3.0
Issuer Customer Experience: 5.0

Highlights

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Terms Apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% on purchases for 15 months
Regular APR: 19.24% - 29.99% Variable
Intro Balance Transfers APR: 0% on balance transfers for 15 months

Citi® Diamond Preferred® Card

Our rating:3.9

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Intro offer: No current offer

Annual fee: $0

Regular APR: 18.24% - 28.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.9

Rating methodology

Introductory Offer:: 5.0
Rates & fees:: 2.2
Features:: 4.0
Issuer Customer Experience: 3.0

Highlights

0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, 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 5% 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.
No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% for 12 months on Purchases
Regular APR: 18.24% - 28.99% (Variable)
Intro Balance Transfers APR: 0% for 21 months on Balance Transfers

Ink Business Premier℠ Credit Card

Our rating:3.7

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Rewards rate

5%: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards
2.5%: Unlimited 2.5% total cash back on purchases of $5,000 or more
2%: Unlimited 2% cash back on all other business purchases.

Intro offer: $1,000 Cash Back Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

Annual fee: $195

Regular APR: 19.49% - 27.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.7

Rating methodology

Rewards Value: 4.0
APR: 1.0
Rewards Flexibility: 4.0
Features: 3.0
Issuer Customer Experience: 4.0

Highlights

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There’s no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC

Rates & Fees

Annual Fee: $195
Intro Purchase APR: N/A
Regular APR: Flex for Business Variable APR: 19.49% - 27.49%
Intro Balance Transfers APR: N/A

Citi Custom Cash® Card

Our rating:4.5

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Rewards rate

5%: Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
1%: Earn unlimited 1% cash back on all other purchases.

Intro offer: $200 Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

Annual fee: $0

Regular APR: 19.24% - 29.24% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

Overall rating

Our rating:4.5

Rating methodology

Rewards Value: 3.7
APR: 3.0
Rewards Flexibility: 3.0
Features: 3.0
Issuer Customer Experience: 3.0

Highlights

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash® Card account per person.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% for 15 months on purchases
Regular APR: 19.24% - 29.24% (Variable)
Intro Balance Transfers APR: 0% for 15 months on balance transfers

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