Best Credit Cards 2025
Hand-picked cards for every credit journey. From building credit to maximizing rewards, find the perfect card for your goals.
Building Credit (300-669)
Discover it® Secured
2% cashback + deposit match
• 2% at gas & restaurants
• 1% on all other purchases
• Cashback match first year
• $0 annual fee
Apply Now • 1% on all other purchases
• Cashback match first year
• $0 annual fee
Capital One Platinum Secured
$49-$200 refundable deposit
• No credit check to apply
• Automatic credit line reviews
• Access higher credit line
• $0 annual fee
Apply Now • Automatic credit line reviews
• Access higher credit line
• $0 annual fee
Chime Credit Builder
No credit check or deposit
• Build credit using own money
• No annual fees or interest
• On-time payment history
• Reports to all 3 bureaus
Apply Now • No annual fees or interest
• On-time payment history
• Reports to all 3 bureaus
Cash Back Rewards
Citi Double Cash®
2% on everything (1% + 1%)
• 1% when you buy
• 1% when you pay
• No categories to track
• $0 annual fee
Apply Now • 1% when you pay
• No categories to track
• $0 annual fee
Chase Freedom Unlimited®
$200 bonus + 1.5-5% back
• 5% travel through Chase
• 3% dining & drugstores
• 1.5% everything else
• $0 annual fee
Apply Now • 3% dining & drugstores
• 1.5% everything else
• $0 annual fee
Wells Fargo Active Cash®
2% unlimited + $200 bonus
• 2% cash rewards on all purchases
• $200 bonus after $500 spent
• 0% intro APR for 15 months
• $0 annual fee
Apply Now • $200 bonus after $500 spent
• 0% intro APR for 15 months
• $0 annual fee
Balance Transfer
Citi Simplicity®
21 months 0% APR
• Longest 0% intro period
• No late fees ever
• No penalty rate
• $0 annual fee
Apply Now • No late fees ever
• No penalty rate
• $0 annual fee
BankAmericard®
18 months 0% APR
• 0% intro APR on transfers
• Made within 60 days
• No annual fee
• Online account management
Apply Now • Made within 60 days
• No annual fee
• Online account management
U.S. Bank Visa® Platinum
20 billing cycles 0% APR
• Extended 0% intro period
• Low ongoing APR
• Cell phone protection
• $0 annual fee
Apply Now • Low ongoing APR
• Cell phone protection
• $0 annual fee
Travel Rewards
Chase Sapphire Preferred®
60,000 bonus points
• 5X travel through Chase
• 3X dining & streaming
• 2X all other travel
• $95 annual fee
Apply Now • 3X dining & streaming
• 2X all other travel
• $95 annual fee
American Express Platinum
150,000 points + luxury perks
• 5X points on flights and hotels
• $695 annual fee
• Multiple statement credits
• Centurion lounge access
Apply Now • $695 annual fee
• Multiple statement credits
• Centurion lounge access
Capital One Venture X
75,000 miles + 10,000 anniversary
• 2X miles on every purchase
• $395 annual fee
• $300 travel credit
• Priority Pass + Capital One lounges
Apply Now • $395 annual fee
• $300 travel credit
• Priority Pass + Capital One lounges
Business Credit Cards
Chase Ink Business Cash®
$750 bonus + 5% categories
• 5% office supplies & telecom
• 2% gas & restaurants
• 1% everything else
• $0 annual fee
Apply Now • 2% gas & restaurants
• 1% everything else
• $0 annual fee
Capital One Spark Cash Plus
Unlimited 2% cash back
• 2% on all purchases
• No preset spending limit
• $150 annual fee
• Employee cards at no cost
Apply Now • No preset spending limit
• $150 annual fee
• Employee cards at no cost
Amex Business Gold
4X points on top categories
• 4X on your top 2 categories
• $375 annual fee
• Up to $150K spending/year
• 70,000 point welcome offer
Apply Now • $375 annual fee
• Up to $150K spending/year
• 70,000 point welcome offer
Not Sure Which Card is Right for You?
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