With numerous credit card options available in the market, choosing the best one can be overwhelming. In this article, we will explore the top credit cards in the USA, considering factors like rewards, interest rates, fees, and benefits.
1. Citi Double Cash Card
The Citi Double Cash Card offers 2% cashback on all purchases, with no rotating categories or spending limits. It also features a 0% introductory APR for 18 months and a $0 annual fee.
2. Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card offers 2X points on travel and dining purchases and a 60,000-point bonus after spending $4,000 in the first 3 months. It has a $95 annual fee and a 15.99% – 22.99% variable APR.
3. Discover it Cash Back
The Discover it Cash Back offers 5% cashback on various categories throughout the year, such as gas stations, grocery stores, and restaurants. It also features a 0% introductory APR for 15 months and a $0 annual fee.
4. Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card offers 2X miles on all purchases and miles can be redeemed for travel purchases with no blackout dates or restrictions. It has a $0 annual fee for the first year and a 14.49% – 24.49% variable APR.
5. American Express Blue Cash Preferred Card
The American Express Blue Cash Preferred Card offers 6% cashback on groceries, 3% cashback on gas, and 1% cashback on everything else. It has a $0 introductory annual fee for the first year and a 12.99% – 23.99% variable APR.
6. Wells Fargo Propel American Express Card
The Wells Fargo Propel American Express Card offers 3X points on dining, 2X points on gas, and 1X point on everything else. It also features a 0% introductory APR for 12 months and a $0 annual fee.
7. Bank of America Cash Rewards Credit Card
The Bank of America Cash Rewards Credit Card offers 3% cashback on gas, 2% cashback on groceries, and 1% cashback on everything else. It has a $0 annual fee and a 12.99% – 22.99% variable APR.
8. Chase Freedom Unlimited
The Chase Freedom Unlimited offers 3% cashback on all purchases in your first year up to $20,000 spent, and 1.5% cashback on all other purchases. It has a $0 annual fee and a 14.99% – 23.74% variable APR.
When choosing the best credit card, consider your individual needs and spending habits. Always read the terms and conditions carefully and make timely payments to avoid interest charges and fees.