Best credit cards of February 2025
Advertiser Disclosure: Bankrate’s editorial team chooses and recommends the credit cards on this page. While we may receive compensation when users apply for cards through this page, our recommendations and card ratings are produced independently without influence by advertising partnerships with issuers.
- Best standalone rewards card: Chase Freedom Unlimited®
- Best for luxury perks: The Platinum Card® from American Express
- Best for dining and entertainment: Capital One Savor Cash Rewards Credit Card
- Best for holiday shopping + variety: Discover it® Cash Back
- Best business card for simplicity: Ink Business Unlimited® Credit Card
- Best for long intro APR: Wells Fargo Reflect® Card
- Best for simplicity: Wells Fargo Active Cash® Card
- Best for flat-rate cash back: Citi Double Cash® Card
- Best for point value: Chase Sapphire Preferred® Card
- Best for bonus offer: Capital One Venture Rewards Credit Card
- Best for food and travel: American Express® Gold Card
- Best for travel card beginners: Capital One VentureOne Rewards Card
- Best for students: Discover it® Student Cash Back
- Best for no-frills benefits: Capital One Venture X Rewards Credit Card
- Best for upgrading: Capital One Platinum Credit Card
- Best for low-cost credit building: Chime Credit Builder Secured Visa® Credit Card
- Best credit limit policy: Capital One Platinum Secured Credit Card
- Best business card for spending bonuses: Capital One Spark Cash Plus
Filter by
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 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 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 holiday shopping + variety
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.
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.
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.
Intro offer
$200 cash back
Rewards Rate
1% - 5%
Annual fee
$0
Regular APR
18.24% - 28.24% (Variable)
Why you'll like this: It rewards and encourages timely payments with a solid cash back rate.
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 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.
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 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.
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 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 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.
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.
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 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.
Remove a card to add another to compare
Remove a card to add another to compare