Are you shopping for a new credit card to aid your financial life? We understand that it can be overwhelming trying to choose the perfect credit card that will suit your needs. To help you on this often-confusing journey, we have researched and compiled a list of the best credit cards in the USA. Below are the top 10 Best Credit Cards In the USA:
1. Chase Sapphire Preferred
The Chase Sapphire Preferred card is renowned and preferred by the majority of travel enthusiasts. This is because it offers a generous sign-up bonus, which can give you up to 100,000 bonus points after you spend $40,000 within the initial three months of usage. After earning these points, you can redeem them and use them for travel, or you can transfer them to airline and hotel partners.
There are other benefits to the Chase Sapphire Preferred card. There are 2x points to be earned if you make travel and dining purchases, and then 1x points earned when you make any other purchases. The icing on the cake is that there are no foreign transaction fees, making it an outstanding card to use while traveling abroad.
2. Citi Double Cash
Citi Double Cash card carters to people who are looking for a cash-back credit card. It is an excellent choice if this is what you want. You will be able to earn 2% cash back on all purchases, 1% coming when you make the purchase, and the second 1% coming after you pay off the credit.
One other major benefit of the Citi Double Cash card is that you are not required to pay any annual fees. This feature makes it very attractive for customers who want to maximize their cash-back rewards without paying for the privilege it offers.
3. American Express Gold Card
The American Express Gold Card is a premium credit card that offers you a variety of benefits if you are a traveler or foodie. Sounds interesting right? For dining purchases, you will earn 4x points, and another 4x points on purchases at US supermarkets (up to $25,000 per annum), and another 3x points on flights you booked directly with the airline companies or on amextravel.com.
If you sign up for the American Express Gold Card, you are entitled to a $120 annual dining credit, which is accepted in participating restaurants and food delivery services. In addition to the $120, every year you will receive an additional $100 airline fee credit. These benefits make the American Express Gold Card an excellent credit card for travelers.
4. Capital One Venture Rewards
The Capital One Venture Rewards card is another addition to the variety of cards available to travelers. You are eligible to earn 2x miles per dollar on all purchases, which can be redeemed for travel expenses like flights, hotels, and car rentals.
As a new cardholder, you are eligible to earn a sign-up bonus of 100,000 miles after you must have spent $20,000 on purchases within the first 12 months, or earn 50,000 miles after spending $3,000 on purchases within the first 3 months of signing up for the credit card.
5. Discover it Cash Back
The Discover it Cash Back credit card is a unique type of card designed for people who are new to credit card services and are interested in building a credit score. This card offers 5% cash back on rotating categories every quarter of the year (to the tune of %1,500 in purchases), and 1% cash back on all other purchases. The Discover it Cash Back card has a unique feature and that is that the company matches all the cash backs you have earned at the end of your first year as a cardholder, effectively doubling your rewards.
6. Bank of America® Travel Rewards Credit Card
The Bank of America® Travel Rewards Credit Card is another exceptional card that rewards travelers. For whatever you purchase with the card, you will earn 1.5 points, and there are no blackout dates or restrictions when you want to redeem your points for travel.
If you are a new cardholder of the Bank of America® Travel Rewards Credit Card, you can earn 25,000 points after spending $1,000 on purchases within the first 90 days of opening the account.
7. Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is a card tailored to people who spend a lot of money on gas and groceries. As a holder of this card, you will earn 6% cash back at US supermarkets (to the tune of $6,000 per year), 3% cash back on gas purchases, and an additional 1% cash back on all other purchases. The card is ideal for everyone, however, it comes with a yearly fee, although your rewards can quickly offset this cost.
8. Discover it® Miles
The Discover it® Miles card is designed specifically for people who prefer earning miles instead of cash back. If you are such a person, and you sign up for the Discover it® Miles credit card, you will earn 1.5x miles per dollar on all purchases, and Discover it® Miles will match all the miles you have earned at the end of the first year as a cardholder. This credit card has no yearly fees or foreign transaction fees, and as such it is a great option for travelers.
9. Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card offers you a cashback of 1.5% on all purchases, with no cap/limit on the amount you can earn. You will not pay any yearly fees or foreign transaction fees if you are the holder of this card. This makes the credit card a low-maintenance card, and suitable for almost every type of user. When you sign up, you can earn a bonus of $200 after you must have spent $500 on purchases within the first 3 months.
10. Wells Fargo Propel American Express® card
The Wells Fargo Propel American Express® card is a multipurpose credit card that offers its users 3x points on dining, gas stations, travel, rideshares, and streaming services. Users of this card will also earn 1x points on all other purchases made with the credit card.
If you sign-up as a new cardholder, you can earn a bonus of up to 20,000 points after spending $1,000 on purchases within the initial 3 months. The card has no yearly and foreign transaction fees attached to it, and this makes it a must-have if you are a frequent traveler.
Conclusion
Overall, there are many excellent credit cards you can choose from when looking for credit cards in the USA. Finding a card that offers the best benefits for you will require that you diligently consider your spending habits and the kind of rewards you prefer. Even though it can be a daunting task to find the one that suits your need among our top picks, we are certain that you will pick one that suits your need among the 10 best credit cards in the USA we have written on. So go ahead, pick your favorite credit card, and start enjoying the rewards.