By ProudMoney.com Staff

This is the cut-to-the-chase list of our Top 10 credit cards, based on overall quality, which could mean any combination of rewards, low interest rates, or other features that we choose. Which is the best credit card? We’ll give you our #1 choice, but you’ll be proud to go into financial battle with any of the others, too:

#1. PayPal Cashback Mastercard – You get 2% cash back on every purchase with this card, which is accepted anywhere that takes Mastercard, both online and offline. Your cash rebates are deposited straight to your PayPal account (you’ll need to establish a PayPal account if you don’t already have one), where you can use that cash toward online purchases or have it moved to your bank account. No annual fee and a generous, easy-to-understand rebate formula puts this newer credit card right up at the top as the everyday cash-back choice in today’s market. No foreign transaction fees, either. (The only downside is high interest rates over 20%, so don’t carry a balance!)

#2. Blue Cash Preferred – If you have a big grocery bill every month, this American Express credit card is for you. The card has a $95 annual fee, but it very well could be worth it. You’ll earn a 6% rebate on your supermarket purchases (on up to $6000 per year on groceries), 6% back on streaming services, 3% at U.S. gas stations, 3% on transit (taxis, tolls, trains, Uber/Lyft), and 1% on any other purchases. If you’re spending over $3000 per year on groceries, this is a great rebate on those purchases even with the annual fee. (If you’re not spending that much on groceries, you may want to look at the no-annual-fee Blue Cash Everyday, which gives you 3% back on those groceries as well as 2% cash back on gas.)