Best credit cards of January 2025
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- Best standalone rewards card: Chase Freedom Unlimited®
- Best for dining and entertainment: Capital One Savor Cash Rewards Credit Card
- Best for point value: Chase Sapphire Preferred® Card
- Best for balance transfers with excellent credit: Citi® Diamond Preferred® Card
- Best for long intro APR: Wells Fargo Reflect® Card
- Best for food and travel: American Express® Gold Card
- Best for bonus offer: Capital One Venture Rewards Credit Card
- Best for simplicity: Wells Fargo Active Cash® Card
- Best for luxury perks: The Platinum Card® from American Express
- Best for no-frills benefits: Capital One Venture X Rewards Credit Card
- Best for travel card beginners: Capital One VentureOne Rewards Card
- Best for holiday shopping + variety: Discover it® Cash Back
- Best business card for simplicity: Ink Business Unlimited® Credit Card
- Best business card for spending bonuses: Capital One Spark Cash Plus
- Best for upgrading: Capital One Platinum Credit Card
- Best for students: Discover it® Student Cash Back
- Best credit limit policy: Capital One Platinum Secured Credit Card
- Best for low-cost credit building: Chime Credit Builder Secured Visa® Credit Card
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Showing 18 results
Best standalone rewards card
Purchase intro APR
0% Intro APR on Purchases for 15 months
Regular APR
19.49% - 28.24% Variable
Intro offer
Up to $300 cash back
Rewards rate
1.5% - 5%
Why you'll like this: It’s one of the only cards that offers both a boosted flat rewards rate and bonus rewards in popular categories like dining and travel.
Best for dining and entertainment
Intro offer
Earn $200 Cash Back
Rewards rate
1% - 8%
Annual fee
$0
Regular APR
19.24% - 29.24% (Variable)
Why you'll like this: Along with its hard-to-find entertainment category, it earns rewards in lucrative everyday spending categories.
Best for point value
Intro offer
60,000 bonus points
Rewards rate
1x - 5x
Annual fee
$95
Regular APR
20.49% - 27.49% Variable
Why you'll like this: It boasts terrific rewards value with its annual bonus points, practical bonus categories, high-value points and redemption flexibility.
Best for balance transfers with excellent credit
Balance transfer intro APR
0% for 21 months on Balance Transfers
Regular APR
17.24% - 27.99% (Variable)
Rewards rate
N/A
Annual fee
$0
Why you'll like this: Its long balance transfer offer, alternative payment plans and a potentially low ongoing APR can help you save.
Purchase intro APR
0% intro APR for 21 months from account opening
Regular APR
17.24%, 23.74%, or 28.99% Variable APR
Intro offer
N/A
Rewards rate
N/A
Why you'll like this: It offers perhaps the longest intro APR period available on both new purchases and balance transfers.
Best for food and travel
on American Express's secure site
See Rates & Fees, Terms ApplyIntro offer
60,000 points
Rewards rate
1X - 4X
Annual fee
$325
APR
See Pay Over Time APR
Why you'll like this: Its dining perks and top-tier rewards rate at both supermarkets and restaurants make it a uniquely valuable travel card for foodies.
Best for bonus offer
Intro offer
Earn 75,000 miles
Rewards rate
2 Miles - 5 Miles
Annual fee
$95
Regular APR
19.99% - 29.24% (Variable)
Why you'll like this: It’s currently offering a competitive sign-up bonus, which adds terrific short-term value to an already lucrative, flexible travel card.
Intro offer
$200 cash rewards
Rewards rate
2%
Annual fee
$0
Regular APR
19.24%, 24.24%, or 29.24% Variable APR
Why you'll like this: It’s one of the easiest flat-rate rewards cards to use thanks to its well-rounded features and unlimited 2 percent cash rewards with no strings attached.
Best for luxury perks
on American Express's secure site
See Rates & Fees, Terms ApplyIntro offer
Earn 80,000 points
Rewards rate
5X - 5X
Annual fee
$695
APR
See Pay Over Time APR
Why you'll like this: It boasts the most comprehensive airport lounge access you can get, plus dozens of other perks and credits totaling nearly $2,000 in value.
Best for no-frills benefits
Intro offer
Earn 75,000 miles
Rewards rate
2 Miles - 10 Miles
Annual fee
$395
Regular APR
19.99% - 29.24% (Variable)
Why you'll like this: It offers valuable perks at a much lower cost than other premium cards, including annual travel credits, airport lounge access and more.
Best for travel card beginners
Purchase intro APR
0% intro on purchases for 15 months
Regular APR
19.24% - 29.24% (Variable)
Intro offer
Earn 20,000 miles
Rewards rate
1.25 Miles - 5 Miles
Why you'll like this: It’ll rack up miles even if you don’t spend much on travel, and you can transfer miles to partner airlines for a chance at a higher redemption value.
Best for rotating categories
Intro offer
Cashback Match
Rewards rate
1% - 5%
Annual fee
$0
Regular APR
18.24% - 27.24% Variable APR
Why you'll like this: The Discover it® Cash Back is great for cardholders who have the flexibility to follow Discover’s rotating rewards calendar throughout the year.
Best business card for simplicity
Intro offer
Earn $750 bonus cash back
Rewards Rate
1.5%
Annual fee
$0
Regular APR
17.49% - 23.49% Variable
Why you'll like this: It’s one of the most straightforward, easy-to-use business cards out there, offering a generous sign-up bonus and flat rewards rate at no annual fee.
Best business card for spending bonuses
Intro offer
$2,000 cash back
Rewards Rate
2% - 5%
Annual fee
$150
Regular APR
N/A
Why you'll like this: Along with its generous unlimited flat cash back rate, it offers terrific sign-up and annual bonuses that can easily make the card worth it.
Best for upgrading
Intro offer
N/A
Annual fee
$0
Regular APR
29.74% (Variable)
Why you'll like this: It offers a clear path to a higher credit limit and several lucrative rewards cards you could upgrade to down the line.
Intro offer
Cashback Match
Rewards Rate
1% - 5%
Annual fee
$0
Regular APR
17.24% - 26.24% Variable APR
Why you'll like this: It’ll kick start your credit journey with a high-value welcome offer, a solid rewards program and forgiving rates and fees.
Best credit limit policy
Intro offer
N/A
Annual fee
$0
Regular APR
29.74% (Variable)
Why you'll like this: Its minimum security deposit is exceptionally low, and it gives you a chance to increase your credit limit after six months.
Best for low-cost credit building
Intro offer
N/A
Annual fee
None
Regular APR
N/A
Why you'll like this: You can avoid traditional secured card costs like a security deposit, interest charges and late payment fees.
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