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Below we list some of the best credit cards on the market right now, with an emphasis on cash back and travel rewards cards:
Best Cash Back Credit Cards
card_name – Why We Like It: Maybe the best rewards credit card for grocery purchases with no annual fee, plus a rare 3% reward for general online purchases. EARN: 3% cash back on groceries 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 in purchases (then 1%), 3% cash back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%), 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. NEW CARDHOLDER WELCOME BONUS OPPORTUNITY: bonus_miles_full card_name. American Express is a ProudMoney advertiser.
card_name – Why We Like It: Good cash-back on everyday categories, and a nice “catch all” reward rate on other purchases, with no annual fee. Earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants (including takeout and eligible delivery services), 3% on drugstore purchases, and 1.5% on all other purchases. INTRO OFFER FOR NEW CARDHOLDERS: bonus_miles_full 👀
card_name – Why We Like It: Offers generous cash back in everyday categories where you are likely to be doing real spending, with no annual fee! Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. EARLY SPEND BONUS: bonus_miles_full.
Best Travel Credit Cards
Travel credit cards are difficult to rank because travelers have different needs in terms of budget, frequency of travel, perks desired, etc. Think about your needs/wants as you consider these cards:
card_name – Why We Like It: HUGE new cardholder bonus opportunity, good everyday rewards, yearly 10% points bonus, and a cornerstone of the “Chase Trifecta.”
EARN: 5 points per dollar on travel purchased through Chase Ultimate Rewards (excluding hotel purchases that qualify for the card’s $50 Annual Ultimate Rewards Hotel Credit), earn 2x on other travel purchases, earn 3x points on dining, including eligible delivery services, takeout and dining out, earn 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs), earn 3x points on select streaming services, earn 1 point per dollar on all other purchases.
Chase Trifecta: Use the Chase Sapphire Preferred as the foundation of a larger strategy to obtain multiple Chase cards and combine points to redeem at a 25% premium through Chase’s travel booking site or to get access to Chase travel transfer partners including United, Southwest, Hyatt, Marriott and more.
NEW CARDHOLDER BONUS OPPORTUNITY: bonus_miles_full
(Also, each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year. For example, if you spend $20,000 on purchases, you’ll get 2,000 bonus points.) Annual Fee: annual_fees.
card_name – Why We Like It: Offers the desirable features of more expensive travel cards, but strips away the fluff to keep the annual fee reasonable. That annual fee is annual_fees, but you can get up to $300 in travel credits when you book through Capital One Travel, and there is an Early Spend Bonus: bonus_miles_full The Anniversary Miles Bonus kicks in starting on your first anniversary, with 10,000 bonus miles (equal to $100 towards travel).
In terms of rewards on everyday purchases, earn unlimited 10 miles per dollar in purchases on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, plus unlimited 2X miles on all other purchases. And don’t forget airport lounge access through the Priority Pass network & the new Capital One Lounges, plus quite a bit more.