What’s the best OVERALL credit card (if choosing just one)?

If I had to choose just one credit card as the best overall, meaning it is the only card you would carry, my first choice would be:


card_nameWhy It’s Best Overall: You earn 3% cash back in a ton of “everyday” categories where you’re likely to spend the most, like groceries, gas, and online purchases, all with no annual fee! (Plus you can earn a nice bonus as a new cardholder!)

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 all 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.

Any others?

Well, you only wanted the best overall credit card, so that’s my best idea for you. But, yeah, there are plenty of other cards that you might consider the best overall, or maybe as complementary cards to one of the cards above. For example:


card_nameWhy It Might Be Best Overall: This one also offers generous cash back in everyday categories where you are likely to be doing real spending, with no annual fee. So, if you weren’t excited about the first card on this list as your one go-to, best overall credit card, this might fit the bill as an alternative.

EARN: 3% cash back on dining and 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), and 3% cash back on entertainment purchases and 3% cash back on popular streaming services, plus 1% on all other purchases. EARLY SPEND BONUS: bonus_miles_full.

I know I only asked for one and you gave me four, but anything else?

Are you kidding? We’ve got all kind of ideas if you want to dig further:

Or you could choose one of these pages where we break it down in all sorts of different ways:

Author: Adam Jusko