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

Chase Freedom Flex℠ – Why We Like It: Good everyday earnings, plus the opportunity to earn 5% cash back in certain purchases throughout the year. Earn: 5% on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, 1% on all other purchases. NEW CARDHOLDER BONUS OPPORTUNITY: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Capital One SavorOne Cash Rewards Credit CardWhy 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: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

Chase Freedom Unlimited®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: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year). Could be worth up to $300 cash back 👀

US Bank Altitude Go – Why We Like It: Perhaps the best dining rewards credit card on the market, plus strong rewards at grocery stores, gas stations/EV stations, and other everyday purchasing categories. Earn: 4 points per dollar on dining, takeout and restaurant delivery purchases, 2X points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations, 1X point on all other eligible purchases. NEW CARDHOLDER BONUS OPPORTUNITY: Earn 20,000 bonus points after you spend at least $1,000 in the first 90 days after opening your account — a $200 value redeemable for cash back as well as travel rewards, gift cards and more.

US Bank Cash + Visa SignatureWhy We Like It: 5% cash back in purchasing categories not often found in today’s market & an overall good rewards formula. EARN: 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose, as well as 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center. In addition, earn 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants, and 1% cash back on all other eligible purchases. NEW CARDHOLDER BONUS OPPORTUNITY: $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

SoFi Credit Card – Why We Like It: Simple cash back formula at a high rewards level. You’ll earn 2% cash back on every purchase with the card IF you redeem your rewards into A SoFi savings or investing account, or use the cash to pay down an eligible loan with SoFi. If you don’t already have a SoFi account, you can earn a bonus for opening a SoFi savings and/or investing account to have that cash back deposited in to.

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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:

Chase Sapphire Preferred® – This $95 annual fee card recently beefed up its rewards (including 3 points per dollar on dining purchases and 5x/10x on most travel when booked through Chase’s travel portal), making it attractive as an everyday credit card. It’s maybe even more attractive, though, as the foundation to a larger strategy of obtaining multiple Chase cards and combining 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: Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. (Worth $1000 in travel when redeemed through Chase Ultimate Rewards®.)

Capital One Venture X Rewards Credit Card – 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 $395, but you can get up to $300 in travel credits when you book through Capital One Travel, and there is an Early Spend Bonus of 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening. 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.


Chase Sapphire Reserve® – Why We Like It: Despite a $550 annual fee, a frequent traveler can often find the value to justify that fee, including yearly travel reimbursements of up to $300, airport lounge access, good travel insurances, a 50% boost in reward point value when booking travel through Chase Ultimate Rewards, and a great list of travel transfer partners, allowing you to transfer points into the loyalty programs of Southwest, United, Hyatt, JetBlue, Marriott, and a number of international airlines. NEW CARDHOLDER BONUS OPPORTUNITY: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening, which is worth $750 toward travel if you redeem through the Chase Ultimate Rewards® travel portal.

In terms of everyday rewards, each year after you’ve exhausted the yearly $300 annual travel credit, you’ll earn 5 points per dollar on flights purchased through Chase Ultimate Rewards, 10x points on hotels and car rentals through Chase Ultimate Rewards, and 3x points on other travel. Also, you’ll earn 3x points on dining right from the start, including restaurants, eligible delivery services, and takeout (and earn 10x if dining reserved through Chase Dining), and 1 point per dollar on all other purchases.

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Best Business Credit Cards

Ink Business Cash® Credit CardWhy We Like It: High reward opportunities (as high as 5%) on common small business categories, big new cardholder bonus opportunity, and no annual fee.

EARN: 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

NEW CARDHOLDER BONUS OPPORTUNITY: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.


US Bank Business Triple Cash Rewards World Elite Mastercard – Why We Like It: Enhanced rewards on multiple everyday business categories, generous new cardholder bonus opportunity, all with no annual fee.

EARN: 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. Plus, earn 1% cash back on all other eligible purchases. NEW CARDHOLDER BONUS OPPORTUNITY: Earn $500 in cash back if you spend at least $4,500 with the Account Owner’s card in the first 150 days of opening your account.


Ink Business Unlimited® Credit CardWhy We Like It: Simple rewards formula with no annual fee, big bonus opportunity for new cardholders. EARN: 1.5% cash back on all purchases with the card. NEW CARDHOLDER BONUS OPPORTUNITY: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.

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Credit Cards By Credit Score/Credit History


Author: Adam Jusko