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Caleb's Top Credit Card Picks

Chase Freedom Unlimited®
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5.0

Bankrate score

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on Chase's secure site

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Intro offer

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Earn $200 cash back

Recommended credit score

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670 - 850

Regular APR

18.24% - 27.74% Variable

Annual fee

$0

Rewards rate

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1.5% - 5%

Caleb's Take:

Simple, consistent, and it never lets you down. I love cards that just work without making you think about it — and this is one of them. Flat cashback on everything plus better rates on dining. Hard to argue with.

Blue Cash Preferred® Card from American Express
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4.4

Bankrate score

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on American Express's secure site

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Intro offer

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As High As $300 Cash Back. Find Out Your Offer.

Recommended credit score

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Good to Excellent

Regular APR

19.49%-28.49% Variable

Annual fee

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

Rewards rate

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1% - 6%

Caleb's Take:

If you buy groceries — and I sure hope you do — this card is almost unfair. The cashback rate at supermarkets is one of the best I've seen on any card, and the annual fee pays for itself fast. Run the math on your grocery spending and you'll see what I mean.

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Chase Sapphire Reserve®
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4.8

Bankrate score

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on Chase's secure site

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Intro offer

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150,000 bonus points

Recommended credit score

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740 - 850

Regular APR

19.49% - 27.99% Variable

Annual fee

$795

Rewards rate

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1x - 8x

Caleb's Take:

These points are ridiculously flexible, the protections are top-tier, and it just works every single time. It feels like the one premium card that always has your back.

Capital One Savor Cash Rewards Credit Card

Bankrate score

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5.0
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Bankrate review
Recommended credit score:670 - 850
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on Capital One's secure site

See Rates & Fees

Intro offer

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Earn $250 Cash Back

Rewards Rate

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1% - 8%

Annual fee

$0

Regular APR

18.49% - 28.49% (Variable)

Caleb's Take:

If dining and entertainment are where your money goes, this card is basically designed for you. It earns at a rate that a flat-rate card can't touch in those categories.