The Best US Credit Cards Ranked & Reviewed

Simple, powerful flat-rate cashback. 1.5% on everything — ideal as a companion to a Sapphire card where points can be pooled and transferred to travel partners.

• ▸1.5% cash back on all purchases
• ▸3% on dining and drugstores
• ▸No annual fee

Rotating 5% categories (activation required) plus solid fixed rates. Best for disciplined earners who can track quarterly categories like grocery, gas, and streaming.

• ▸5% on quarterly rotating categories
• ▸3% on dining and drugstores
• ▸Mastercard cell phone protection

Streamlined flat-rate card for small business owners. Earns 1.5% cash back on every purchase with no annual fee. Points pair powerfully with Sapphire cards for travel redemptions.

• ▸1.5% unlimited cash back on all purchases
• ▸No annual fee
• ▸Employee cards at no cost

A practical tool for managing existing debt. Features a 0% intro APR on purchases and balance transfers, with a path to automatic APR reduction after consistent on-time payments.

• ▸0% intro APR on balance transfers
• ▸Automatic APR reduction after on-time payments
• ▸No annual fee

The go-to card for frequent Amazon and Whole Foods shoppers. 5% back on Amazon.com and Whole Foods for Prime members makes it one of the highest flat-category earners available.

• ▸5% at Amazon & Whole Foods (Prime required)
• ▸2% at restaurants, gas & drugstores
• ▸No annual card fee (Prime membership required)

The overlooked middle child of the Amex lineup. 3x on travel, dining, and transit. Lower annual fee with CLEAR Plus and LoungeBuddy credits making it excellent value.

• ▸3x on travel, transit & dining
• ▸$189 CLEAR Plus credit
• ▸$100 LoungeBuddy credit

Top-tier cashback for families. 6% at U.S. supermarkets (up to $6K/year) and 6% on select U.S. streaming — the highest supermarket cashback rate of any major card.

• ▸6% at U.S. supermarkets (up to $6K)
• ▸6% on select streaming subscriptions
• ▸3% on transit and U.S. gas stations

Unique multiplier mechanic — use the card 30+ times in a billing period and earn 50% extra points. Great for Membership Rewards maximizers who want everyday earning without high fees.

• ▸3x at U.S. supermarkets (up to $6K)
• ▸2x at U.S. gas stations
• ▸50% bonus points with 30+ monthly uses

The premium business travel card. Up to $1,000+ in annual statement credits, 35% points rebate on premium cabin flights, and access to 1,400+ global airport lounges.

• ▸35% points rebate on airline redemptions
• ▸$200 airline fee credit
• ▸Dell, Adobe & wireless service credits

Best entry point into the Delta-Amex ecosystem. Free first checked bag saves $70 per roundtrip, plus 2x on Delta purchases, restaurants, and U.S. supermarkets.

• ▸Free first checked bag on Delta flights
• ▸2x miles at restaurants & supermarkets
• ▸$100 Delta flight credit after $10K spend

Automatically earns 5% cashback in your highest spend category each billing cycle (up to $500). No category activation needed — a set-and-forget rewards powerhouse.

• ▸5% auto-optimizing top category
• ▸1% on all other purchases
• ▸No annual fee

Zero late fees, no penalty rate, and a long 0% intro APR period. Perfect for managing a large purchase or transferring debt without fear of extra charges.

• ▸No late fees, ever
• ▸0% intro APR on balance transfers
• ▸No annual fee

Strong all-around travel card. 3x points at hotels, air travel, supermarkets, restaurants, and gas stations — one of the broadest 3x category sets available anywhere.

• ▸3x on hotels, flights, dining & grocery
• ▸$100 annual hotel savings benefit
• ▸Transfer to 18+ airline partners

The best gas station card available — 4% on gas worldwide (up to $7K/year). Also earns 3% on restaurants and travel. Requires an active Costco membership to apply.

• ▸4% on gas & EV charging
• ▸3% on restaurants & travel
• ▸2% on all Costco purchases

One of the longest 0% intro APR balance transfer offers available. Ideal for paying down high-interest credit card debt with maximum time without accruing interest.

• ▸21-month 0% intro APR on balance transfers
• ▸Citi Entertainment access
• ▸No annual fee

Citi’s refreshed flagship travel card with broad 3x categories and an enhanced hotel booking benefit. Strong everyday earner that feeds seamlessly into Citi’s airline transfer partners.

• ▸3x on air, hotels, dining & grocery
• ▸$100 annual hotel benefit
• ▸Transfer partners include Turkish & Avianca

Straightforward 1.5% unlimited cashback with no annual fee. A reliable everyday companion card ideal for those who want simple, predictable rewards without category complexity.

• ▸1.5% cash back on all purchases
• ▸No foreign transaction fees
• ▸No annual fee

3% back on dining, entertainment, streaming, and grocery — one of the best no-annual-fee cards for social spenders. Also earns 10% on Uber and Uber Eats purchases.

• ▸3% on dining, entertainment & grocery
• ▸10% cash back on Uber & Uber Eats
• ▸No annual fee

An accessible secured card for building or rebuilding credit. No annual fee and automatic consideration for a credit line increase after 6 months of on-time payments.

• ▸Minimum $200 refundable deposit
• ▸Automatic credit line review at 6 months
• ▸No annual fee

The SavorOne experience designed for fair/good credit scores. Same 3% cashback on dining and entertainment — a strong stepping stone towards the full SavorOne card.

• ▸3% on dining, entertainment & grocery
• ▸No annual fee
• ▸Credit-building pathway

Flat 1.5% unlimited cashback — particularly powerful for Preferred Rewards Platinum Honors members, who effectively earn 2.625% on every purchase with no annual fee.

• ▸1.5% on all purchases (no cap)
• ▸Up to 2.625% with Preferred Rewards Platinum
• ▸No annual fee

Simple flat-rate travel card earning 1.5x points on all purchases with no foreign transaction fees. Points redeem as statement credits toward travel — no blackout dates.

• ▸1.5x points on all purchases
• ▸No foreign transaction fees
• ▸No annual fee

BofA’s flagship rewards card with 2x on travel and dining, plus $300 travel statement credit and $150 in lifestyle credits annually. Includes Priority Pass lounge access.

• ▸2x points on travel & dining
• ▸$300 travel + $150 lifestyle annual credits
• ▸Priority Pass airport lounge access

Build credit history while still earning cashback rewards. One of the few secured cards that offers real cashback — 3% in your chosen category and 2% at grocery stores.

• ▸3% on chosen category while building credit
• ▸2% at grocery & wholesale stores
• ▸Refundable security deposit required

Simple and consistent — 2% at gas stations and restaurants (up to $1K per quarter combined), plus Cashback Match in year one. An easy everyday card for drivers and diners.

• ▸2% at gas stations & restaurants
• ▸1% on all other purchases
• ▸Cashback Match first year

The top-rated secured card for credit builders. Earns real cashback rewards with an automatic 7-month review to potentially upgrade to an unsecured card.

• ▸2% at gas & restaurants, 1% everywhere else
• ▸Automatic 7-month upgrade review
• ▸No annual fee, Cashback Match year 1

Official NHL card featuring rotating 5% cashback categories and Cashback Match in year one. Same great Discover benefits wrapped in your favorite NHL team branding.

• ▸5% on rotating categories (activation needed)
• ▸Custom NHL team card design
• ▸Cashback Match first year

A Mastercard variant in Discover’s portfolio offering straightforward cashback rewards with no annual fee — expanding Discover’s reach to merchants that don’t accept Discover.

• ▸Flat cashback on all purchases
• ▸Wider Mastercard acceptance
• ▸No annual fee

One of the longest 0% intro APR offers on the market — up to 21 months on purchases and qualifying balance transfers. Designed for large purchases or debt consolidation strategy.

• ▸Up to 21-month 0% intro APR
• ▸$600 cell phone protection
• ▸No annual fee

Exceptional 3x categories — restaurants, travel, gas, transit, streaming, and phone plans — covering virtually all lifestyle spending. No annual fee makes this an elite value proposition.

• ▸3x on restaurants, travel, gas & transit
• ▸3x on streaming & phone plans
• ▸No annual fee, no foreign transaction fees

A lifestyle-focused card rewarding wellness and eco-friendly spending. 4% on gym memberships, public transit, EV charging, and select entertainment — unique in the market.

• ▸4% on wellness, transit & EV charging
• ▸4% on select entertainment & streaming
• ▸No annual fee

4x points on dining including takeout and delivery, with no annual fee. A strong competitor to the Amex Gold for dining rewards without the premium card fee burden.

• ▸4x on dining & restaurants
• ▸2x at grocery, streaming & gas
• ▸$15 annual streaming credit

Strong travel card with 4x at travel and gas stations, plus airport lounge access through Priority Pass Select. A compelling mid-tier option for frequent travelers at a reasonable annual fee.

• ▸4x on travel & gas stations
• ▸Priority Pass airport lounge access
• ▸TSA PreCheck / Global Entry credit

Long 0% intro APR card designed for large planned purchases or balance transfers. Cell phone protection included — a useful financial management tool with solid secondary benefits.

• ▸0% intro APR for up to 18 billing cycles
• ▸$600 cell phone protection
• ▸No annual fee

Innovative card with cashback rates that grow based on combined U.S. Bank deposits and investments. Up to 4% unlimited cashback for customers with $100K+ in eligible U.S. Bank accounts.

• ▸Up to 4% unlimited cashback (balance-linked)
• ▸No annual fee
• ▸Rewards scale with your U.S. Bank relationship