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Last updatedMay 2025

Best Credit Card Offers 2025

Get rewarded for every dollar you spend

Looking for the best credit card? We ranked the best cards from our partners based on rewards and savings potential—so you can confidently choose the one that’s right for you.

rateFeatured Cards from Our Partners
Our Best
Cash Back
Balance Transfer
Travel
Rewards
No Annual Fee
Low Interest
8.7
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.6
Features & Benefits
10.0
Apply Now
on Citi's application
Welcome Bonus
$200
Rewards Rate
2%
Annual Fee
$0
Credit Score
580-850 (Fair to Excellent)
Regular APR
18.24%-28.24% (Variable)
Intro APR
0% Intro APR for 18 months on balance transfers
Summary
Editor's Review
Card Features
Pros & Cons

The Citi Double Cash® Card boasts a market-leading unlimited cashback rate of 2%, plus an intro APR period of 18 months, which is comparable to some of the top balance transfer cards. With additional perks like no annual fee, convenient redemption options, and 24-hour fraud monitoring, this card could be a worthy addition to your wallet.

See Rates & Fees

Learn more about Citi Double Cash® Card
wells-fargo-reflect-card credit card logo
Annual Fee
$0
Recommended Credit Score
670-850 (Good to Excellent)
Regular APR
17.24%, 23.74%, or 28.99% Variable APR
Intro APR
0% intro APR for 21 months
Summary
Editor's Review
Card Features
Pros & Cons

The Wells Fargo Reflect® Card is designed for consumers seeking an extended introductory APR period, allowing users to manage larger purchases or balances without immediate interest charges. This card is ideal for those who may carry a balance.

Learn more about Wells Fargo Reflect® Card
wells-fargo-active-cash-card credit card logo
Welcome Bonus
$200
Rewards Rate
2%
Annual Fee
$0
Recommended Credit Score
670-850 (Good to Excellent)
Regular APR
19.24%, 24.24%, or 29.24% Variable APR
Intro APR
0% intro APR for 12 months
Summary
Editor's Review
Card Features
Pros & Cons

The Wells Fargo Active Cash® Card provides a straightforward cash rewards experience with unlimited 2% cash rewards on purchases. It’s great for people who prefer simplicity and consistent rewards.

Learn more about Wells Fargo Active Cash® Card
blue-cash-everyday-card-from-american-express credit card logo
Welcome Bonus
$200
Rewards Rate
1x-3x
Annual Fee
$0
Credit Score
670-850 (Good to Excellent)
Regular APR
20.24%-29.24% Variable
Intro APR
0% Intro APR for 15 months
Summary
Editor's Review
Card Features
Pros & Cons

The Blue Cash Everyday® Card from American Express is a cash back rewards card with no annual fee. It is a great credit card for individuals with low overall spending who want to benefit from high 3% cash back at U.S. supermarkets, gas, and online purchases (on up to $6,000 per year, then 1%).

Terms Apply, See Rates & Fees

Learn more about Blue Cash Everyday® Card from American Express
blue-cash-preferred-card-from-american-express credit card logo
Welcome Bonus
$250
Rewards Rate
1x-6x
Annual Fee
$0 intro annual fee for the first year, then $95
Credit Score
670-850 (Good to Excellent)
Regular APR
20.24%-29.24% Variable
Intro APR
0% Intro APR for 12 months
Summary
Editor's Review
Card Features
Pros & Cons

The Blue Cash Preferred card from American Express is a great cash back rewards card for individuals and households who spend a lot at U.S. supermarkets and on commuting. Cash back is received as Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Terms Apply, See Rates & Fees

Learn more about Blue Cash Preferred® Card from American Express
citi-strata-premier-card credit card logo
Welcome Bonus
60,000 points
Rewards Rate
1x-10x
Annual Fee
$95
Credit Score
690-850 (Good to Excellent)
Regular APR
20.24%-28.24% (Variable)
Summary
Editor's Review
Card Features
Pros & Cons

The Citi Strata Premier℠ Card offers excellent international travel perks and flexible ways to earn rewards at an affordable price. It’s easy to earn rewards with 3x points offered on common purchases like restaurants, gas stations, and grocery stores. Additionally, with no fees on foreign transactions, you don’t have to worry about racking up charges when you use your card while traveling abroad.

See Rates & Fees

Learn more about Citi Strata Premier℠ Card
wells-fargo-autograph-journey-card credit card logo
Welcome Bonus
60,000 points
Rewards Rate
1x-5x
Annual Fee
$95
Recommended Credit Score
670-850 (Good to Excellent)
Regular APR
20.24%, 25.24%, or 29.24% Variable APR
Summary
Editor's Review
Card Features
Pros & Cons

The Wells Fargo Autograph Journey℠ credit card is a points-based travel card. You can earn one reward point for every dollar spent, with bonus points for purchases related to hotels, restaurants, airfares, and other travel expenses. It also offers coverage for various travel situations, including lost luggage and travel delays.

Learn more about Wells Fargo Autograph Journey℠ Card
capital-one-venture-rewards-credit-card credit card logo
Welcome Bonus
75,000 miles
Rewards Rate
2x-5x
Annual Fee
$95
Recommended Credit Score
670-850 (Good to Excellent)
Regular APR
19.99%-29.24% (Variable)
Summary
Editor's Review
Card Features
Pros & Cons

The Capital One Venture Rewards card is a low-fee travel rewards card that’s ideal for the occasional traveler. It offers travel benefits like lounge access, rental car collision coverage, and travel accident insurance, on top of an unlimited two miles per dollar on every purchase.

Learn more about Capital One Venture Rewards Credit Card
wells-fargo-autograph-card credit card logo
Welcome Bonus
20,000 points
Rewards Rate
1x-3x
Annual Fee
$0
Recommended Credit Score
670-850 (Good to Excellent)
Regular APR
19.24%, 24.24%, or 29.24% Variable APR
Intro APR
0% intro APR for 12 months on purchases
Summary
Editor's Review
Card Features
Pros & Cons

The Wells Fargo Autograph® Card offers a robust rewards structure with 3 points per dollar spent in six popular categories, including restaurants, travel, and streaming services. With no annual fee and a welcome bonus of 20,000 points after spending $1,000 in the first three months, it is ideal for everyday spenders looking to maximize their rewards.

Learn more about Wells Fargo Autograph® Card
chase-sapphire-reserve credit card logo
Welcome Bonus
60,000 points
Rewards Rate
1x-10x
Annual Fee
$550 plus $75 for each authorized user
Recommended Credit Score
670-850 (Good to Excellent)
Regular APR
20.24%-28.74% Variable
Summary
Editor's Review
Card Features
Pros & Cons

The Chase Sapphire Reserve® card is a premium travel rewards card that’s hard to beat for anyone who spends a lot on travel each year. The annual fee is expensive, but benefits like 10X points on travel purchases, free lounge access, and trip interruption insurance make the annual fee well worthwhile in subsequent years.

See Rates & Fees

Learn more about Chase Sapphire Reserve card
capital-one-quicksilver-cash-rewards-credit-card credit card logo
Welcome Bonus
$200
Rewards Rate
1.5x-5x
Annual Fee
$0
Credit Score
670-850 (Good to Excellent)
Regular APR
19.24%-29.24% (Variable)
Intro APR
0% Intro APR for 15 months
Summary
Editor's Review
Card Features
Pros & Cons

The Capital One Quicksilver Cash Rewards card provides 1.5% cash back on all purchases and has no yearly fee. The generous welcome bonus, introductory APR, and travel cashback also help this card stand out.

Learn more about Capital One Quicksilver Cash Rewards Credit Card
chase-sapphire-preferred credit card logo
Welcome Bonus
100,000 points
Rewards Rate
1x-5x
Annual Fee
$95
Recommended Credit Score
700-850 (Good to Excellent)
Regular APR
19.99%-28.24% Variable
Summary
Editor's Review
Card Features
Pros & Cons

The Chase Sapphire Preferred credit card is a good option for anyone looking for a reasonably priced card to get the most out of their travel, dining, and grocery shopping expenses. The card is loaded with great perks and rewards that more than makeup for its $95 annual fee.

See Rates & Fees

Learn more about Chase Sapphire Preferred card
american-express-gold-card credit card logo
Welcome Bonus
60,000 points
Rewards Rate
1x-4x
Annual Fee
$325
Recommended Credit Score
670-850 (Good to Excellent)
Regular APR
See Pay Over Time APR
Summary
Editor's Review
Card Features
Pros & Cons

The Gold Card from American Express is best suited for anyone who dines out at restaurants frequently or spend a lot at U.S. supermarkets each year. The Gold Card's rewards more than pay for the $325 annual fee for many cardholders. Overall, the Gold Card is a great option if you dine out or travel frequently.

Terms Apply, See Rates & Fees

Learn more about American Express® Gold Card
capital-one-savor-cash-rewards-credit-card credit card logo
Welcome Bonus
$200
Rewards Rate
1%-8%
Annual Fee
$0
Recommended Credit Score
670-850 (Good to Excellent)
Regular APR
19.24%-29.24% (Variable)
Intro APR
0% Intro APR for 15 months
Summary
Editor's Review
Card Features
Pros & Cons

The Capital One Savor Cash Rewards card is a great card for anyone who wants cashback on dining and groceries without an annual fee. It is a versatile cashback card for anyone who spends a lot of money on dining, groceries, streaming services, or entertainment like movies and concerts.

Learn more about Capital One Savor Cash Rewards Credit Card

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BestMoney Total Score
Our product scores consist of a combination of the following 3 components:
Popularity
BestMoney measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. BestMoney accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
Brand Reputation
Semrush is a trusted and comprehensive tool that offers insights about online visibility and performance. The BestMoney Total Score will consist of the brand's reputation from Semrush. The brand reputation is based on Semrush's analysis of clickstream data, which includes user behavior, search patterns, and engagement, to accurately measure each brand's prominence, credibility, and trustworthiness. If a brand does not have a Semrush score, the BestMoney Total Score will be based solely on the Click Trend Score and Products & Features Score (read below).
Features & Benefits
BestMoney’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page.
Editorial Reviews
Citi Double Cash® Card
Citi Double Cash® Card
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What are some types of credit cards?

  • Balance transfer cards are those that encourage the consolidation of one or more balances from other cards. Balance transfer cards may offer low or even zero interest for a period of time as an incentive.
  • Low interest rate cards may offer a very low or 0% interest for an introductory period and then a low interest rate thereafter. These cards are best for those cardholders who carry a balance on their card.
  • Credit builder cards - cards for those with poor or bad credit are those that will accept applicants with lower credit scores. The definition of a low credit score will vary among card issuers. These cards can help the cardholder rebuild their credit score. The interest rate on these cards, as well as other terms, may be less favorable than for cards for borrowers with good credit scores.
  • Rewards cards are credit cards that offer rewards for purchases in the form of cash back or travel rewards. As long as the other terms and conditions of the card are favorable to you, these cards can be advantageous.

Balance Transfer Pros & Cons 

Pro: You could save money

Balance transfer credit cards could save you money on interest payments if you transfer debt from a source with a higher interest rate to a card offering a lower interest rate and you pay off the debt quickly. 

Keep in mind, balance transfer credit cards offering introductory 0% APRs only do so for a limited time. If you can’t pay off the debt balance before the introductory period expires, understand what interest rate will get charged down the road.

Don’t forget to account for balance transfer fees when calculating whether you’ll save money. These fees get charged upfront and can be hefty.

Pro: Can consolidate your debt to a single card

A balance transfer credit card could allow you to move all of your debt to a single card, assuming your approved credit limit is high enough. This can make it easier for you to keep track of the monthly payments. Avoiding missed payments by doing this could help improve your credit score as long as your credit utilization on your new card doesn’t get too high.

Con: You may be digging yourself deeper into debt

Balance transfer credit cards can help tremendously if you pay off the debt quickly and don’t incur any new debt. Unfortunately, many people see the 0 balance on their old credit card as an opportunity to spend more money. If you transfer a balance and then run up the balance on your old credit card again, you just dig yourself deeper into debt.

Con: Lenders won’t let you transfer balances from their other products

Lenders don’t want to lose money on balance transfer credit card offers. For this reason, lenders typically won’t allow you to transfer a debt balance from their bank to a balance transfer credit card they issue. For instance, you can’t move a balance from your Chase Sapphire Preferred credit card to your Chase Slate credit card.

Con: Your new credit limit may not be high enough

When you apply for a credit card, you may not get approved for the credit limit you desire. You may apply for a balance transfer offer and only get approved for a $5,000 credit limit. If you planned to transfer $10,000 of other credit card debt, you end up maxing out the new credit card with the balance transfer and still have $5,000 of debt on the old card.

How to Pick the Right Balance Transfer Card

Picking the right card for your situation requires you to examine a few key factors. 

First, you want to have a good shot of getting approved for the card. Look for cards that typically approve people with your current credit score.

Next, make sure the credit card you’re applying for will allow you to transfer the balance you want to move. Some banks don’t allow loan transfers, while others do.

Finally, compare offers to find the card that can save you the most money. Look for long introductory 0% APR periods, low or no balance transfer fee offers, and a low regular APR after the balance transfer promotion expires.