Best Credit Cards 2025: Expert Reviews of Top Rewards Cards
Choosing the right credit card can save you hundreds or thousands of dollars annually through rewards, cash back, and travel perks.
Best Overall Credit Cards 2025
1. Chase Sapphire Preferred - Best Travel Rewards
- Sign-up bonus: 60,000 points after $4,000 spend
- Rewards: 2X travel and dining, 1X other purchases
- Annual fee: $95
- APR: 22.49% - 29.49%
2. Citi Double Cash - Best Flat-Rate Cash Back
- Rewards: 2% cash back on all purchases
- Annual fee: $0
- APR: 19.24% - 29.24%
3. Blue Cash Preferred - Best for Groceries
- Rewards: 6% cash back at supermarkets
- Welcome offer: $300 back after $3,000 spend
- Annual fee: $95 (waived first year)
Best Cash Back Credit Cards
| Card | Cash Back Rate | Annual Fee |
|---|
| Wells Fargo Active Cash | 2% unlimited | $0 |
| Capital One Quicksilver | 1.5% unlimited | $0 |
| Amazon Prime Visa | 5% Amazon/Whole Foods | $0* |
| Costco Anywhere Visa | 4% gas, 3% restaurants | $0* |
Best Travel Credit Cards
- Chase Sapphire Reserve: $300 travel credit, lounge access
- Capital One Venture X: 2X miles, Priority Pass
- Amex Gold: 4X dining and supermarkets
Best Balance Transfer Cards
| Card | 0% APR Period | Transfer Fee |
|---|
| Citi Diamond Preferred | 21 months | 5% |
| Wells Fargo Reflect | 21 months | 5% |
| Chase Slate Edge | 18 months | 3% |
Credit Card Rewards Strategies
- Use category cards for bonus spending
- Use flat-rate 2% card for everything else
- Maximize sign-up bonuses responsibly
- Pay statement balance in full monthly
