What is the best cash back credit card?

The best cash back card depends on your spending habits. Cards like the Citi Double Cash offer a flat 2% on everything. The Chase Freedom Flex offers 5% in rotating categories plus 3% on dining. For groceries, the Blue Cash Preferred from Amex offers 6% at U.S. supermarkets. Compare the annual fee against the rewards you will actually earn.

What credit score do I need for a credit card?

Credit score requirements vary by card. Secured cards (like Discover it Secured) accept scores as low as 300-550. Store cards may approve scores around 580-620. Most cash back and travel cards require 670+ (good credit). Premium cards like the Chase Sapphire Reserve typically require 720+ (excellent credit). Applying with a higher score gets better terms.

How can I build credit with a credit card?

To build credit: always pay your bill on time (set up autopay for at least the minimum), keep your credit utilization below 30% of your limit, do not open too many accounts at once, and keep your oldest card open. If you are new to credit, start with a secured card or become an authorized user on a family member's account.

What is the difference between a secured and unsecured credit card?

A secured credit card requires a cash deposit (usually $200-$500) that serves as your credit limit and collateral. It is designed for people building or rebuilding credit. An unsecured card does not require a deposit and typically offers better rewards and higher limits, but requires a stronger credit history to qualify.

Best Credit Cards USA 2026

Compare cash back, travel rewards, and 0% APR credit cards from all major issuers.

Best Travel Rewards Cards

Card	Welcome Bonus	Rewards	Annual Fee
Chase Sapphire Preferred	60,000 pts	3X dining, 2X travel	$95
Capital One Venture X	75,000 miles	2X everything	$395
Amex Gold	60,000 pts	4X restaurants, 4X groceries	$250
Chase Sapphire Reserve	60,000 pts	3X travel & dining	$550

Best Cash Back Cards

Card	Cash Back	Welcome Bonus	Annual Fee
Citi Double Cash	2% on everything	$200	$0
Chase Freedom Unlimited	1.5% + 5% categories	$200	$0
Discover It Cash Back	5% rotating + 1%	Match all cash back Y1	$0
Amex Blue Cash Preferred	6% groceries, 6% streaming	$250	$95
Wells Fargo Active Cash	2% on everything	$200	$0

Best 0% APR Cards

Card	0% APR Period	Regular APR	Best For
Citi Simplicity	21 months	19.24% - 29.99%	Balance transfer
Wells Fargo Reflect	21 months	18.24% - 29.99%	Balance transfer
Chase Freedom Flex	15 months	20.49% - 29.24%	Purchases + rewards

How to Choose a Credit Card

For Travel Rewards

Choose Chase Sapphire or Capital One Venture if you travel frequently. Points transfer to airlines and hotels for maximum value.

For Cash Back

Citi Double Cash or Wells Fargo Active Cash offer simple 2% on everything. For higher rewards in specific categories, consider Amex Blue Cash.

For Building Credit

Start with Discover It Secured or Capital One Platinum. They report to all bureaus and can upgrade to better cards over time.

Compare More Products

View All Products