Offers on this site may be from companies that compensate us, which may impact the location and order in which products appear. Not every available financial offer in the market is listed. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Proud Money has partnered with CardRatings for coverage of credit card products. Proud Money & CardRatings may receive a commission from card issuers.

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.

More Cash Back Credit Cards

 

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.

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Capital One offers a range of consumer credit cards that target different consumer groups based on rewards preferences and credit history. Below we offer our ranking of the five “best” Capital One credit cards:

card_name – Why We Like It Best: 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

 

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 a strong 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.

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Updated November 21, 2023 – Comenity Bank and its sister company Comenity Capital Bank are the issuers behind many retail store credit cards and other credit cards. (Both banks are subsidiaries of Bread Financial, formerly named Alliance Data.) If you have a credit card from one of the companies listed below, it’s not issued by the store whose name is on the front, but instead by Comenity:

• AAA Visa Credit Cards (Through local AAA clubs)
• Academy Sports Credit Card
• All Pet Credit Card
• Alphaeon Medical Credit
• Ann Taylor
• Arhaus
• Ashley Stewart
• Avenue
• B&H Payboo Credit Card
• Ballard Designs
• Bealls Florida Credit Card
• Bealls Outlet / Burkes Outlet
• Bed Bath & Beyond
• Big Lots

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When it comes to credit cards for people with bad credit, your choices are limited. But you don’t have to be stuck with a lousy credit card. Below we list some of the best credit cards for people with bad credit. If your credit is too bad for an unsecured credit card (unless it comes with outrageously high interest and fees), then consider a secured credit card that requires a refundable deposit but often has better terms otherwise.

Unsecured Credit Cards for Bad Credit

card_name – This popular Capital One credit card allows you to earn 1.5% cash back on all of your card purchases. Note, however, that this version is tailored to those with lower credit scores, meaning it has a higher interest rate than the standard Quicksilver Rewards card as well as a annual_fees annual fee. Could be worth it as you work to build up your credit score, especially if you earn enough in rewards to make up for the annual fee.

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Offers on this site may be from companies that compensate us, which may impact the location and order in which products appear. Not every available financial offer in the market is listed. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Proud Money has partnered with CardRatings for coverage of credit card products. Proud Money & CardRatings may receive a commission from card issuers.

These cards offer a 0% APR on new purchases for as long as 18 months. Check the card details if you want cash back or travel rewards as well, because not every card listed has them! (Also see our Best Balance Transfer Credit Cards List if you want to transfer a balance with zero interest.)

card_name – 0% APR Offer: intro_apr_rate,intro_apr_duration. After that, reg_apr,reg_apr_type Rate.

REWARDS: 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 the Chase Ultimate Rewards travel booking tool, 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 – 0% APR Offer: intro_apr_rate,intro_apr_duration. After that, your APR will be reg_apr,reg_apr_type, based on your creditworthiness and other factors as determined at the time of account opening.

AND MUCH MORE: 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. No annual fee.

NEW CARDHOLDER WELCOME BONUS OPPORTUNITY: bonus_miles_full card_name. American Express is a ProudMoney advertiser.

 

card_name – 0% APR Offer: Get a intro_apr_rate,intro_apr_duration After that, your APR will be reg_apr,reg_apr_type, based on your creditworthiness. In Addition: balance_transfer_intro_apr,balance_transfer_intro_duration. Balance Transfer Fee: balance_transfer_fees.

ALSO: Get an automatic review for a higher credit limit when you pay on time and spend $500 in your first six months. (You will also automatically be considered for an APR reduction by 2% when you pay on time and spend at least $1,000 on your card by your next account anniversary. See Terms & Conditions for limitations on lowest APR possible.)

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Offers on this site may be from companies that compensate us, which may impact the location and order in which products appear. Not every available financial offer in the market is listed. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Proud Money has partnered with CardRatings for coverage of credit card products. Proud Money & CardRatings may receive a commission from card issuers.

(This is a regularly updated post; last update 11/17/23.) If you’ve ever been pitched on opening a new credit card while making a purchase, you know that some stores are more than happy to give you instant credit — apply on the spot, get approved, use the card immediately. Below we offer a list of such cards, including regular bank credit cards as well as retail credit cards. Apply online and get shopping today. (Note that instant approval is not guaranteed.)

• American Express Credit Cards – Most American Express cards offer the possibility of an “Instant Card Number” upon approval. Your eligibility is based on the “ability to instantly validate your identity.” If eligible, use the Instant Card Number even before you have the physical card (though possibly not the card’s complete credit line). Instant Card Number cards include: card_name, card_name, card_name, card_name. Terms Apply. American Express is a ProudMoney advertiser.
• Chase Credit Cards – Most Chase consumer credit cards (not business cards) now offer a “Spend Instantly” feature that gives you the potential for instant approval and then same-day usage through digital wallets Apple Pay, Google Pay, or Samsung Pay. (You add your new Chase card to the digital wallet via the Chase mobile app.) Popular Chase credit cards include: card_name, card_name, card_name.

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