The Wealth Wire | Vertical Category

Wealth Wire's Top 7 Credit Cards

author
Laura McCarthy
Last Updated:

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  • 200
    Hours of Research
  • 33+
    Sources Used
  • 14
    Companies Vetted
  • 8
    Features Reviewed
  • 7
    Top Picks

Choosing a credit card is overwhelming. Who has the time to research each credit card and read through the fine print? Wealth Wire has compiled all the most important factors of this year's top credit cards – find the lowest interest rates & the best rewards programs today!

Here are our top picks for credit cards to help you find one that fits your needs.

Providers

1.

Blue Cash Preferred® Card from American Express

  • Best for:

    Buying groceries and streaming subscriptions

    Blue Cash Preferred® Card from American Express

  • Best for buying groceries and streaming subscriptions

    1
    Get Started

    Terms Apply and See rates and fees here.

    • Best card for groceries and streaming subscriptions with generous cashback terms

    • No annual fee for the first year

    • 0% APR for the first year of account opening, 18.49% - 29.49% variable rate after

    The Blue Cash Preferred® Card from American Express is the perfect companion for all your shopping needs, particularly if you spend a lot on groceries and streaming services. With this card, you can earn an incredible 6% cash back on the first $6,000 you spend at U.S. supermarkets and select U.S. streaming services. That's a huge chunk of savings that you wouldn't have otherwise!

    But wait, there's more! The American Express Blue Cash Preferred card also offers a 3% cash-back at U.S. gas stations and transit expenses, including taxis, rideshare, parking, tolls, and more. And for all other purchases, you still earn a respectable 1% cash-back, making it an all-around great choice for everyday spending.

    One of the best things about the American Express Blue Cash Preferred card is that there's a $0 intro annual fee for the first year. After that, the annual fee is $95, but you'll easily make that back with the generous cash-back rates. We've seen statement credits stack up relatively quickly with the high cash-back rates, making it a great card to have in your wallet.

    Learn more about the Blue Cash Preferred® Card from American Express here.

    Pros

    • Generous cash back on groceries, gas, and transportation

    • No annual fee for the first year

    • 0% intro APR and buy now pay later plans

    Cons

    • Small annual fee after the first year

    • $6,000 limit on 6% cash back at U.S. supermarkets. 1% after the $6,000 limit

    Blue Cash Preferred® Card from American Express

    2.

    Capital One Platinum Credit Card

  • Best for:

    Less Than Steller Credit

    Capital One Platinum Credit Card

  • Best for convenience

    2
    Get Started
    • $0 Annual Fee

    • Rebuild your credit

    • Designed for less than stellar credit

    The Capital One Platinum Credit Card is a favorite for individuals that have fair to good credit scores. This card is set aside for individuals interested in rebuilding their credit history. To see if you qualify, fill out the online application; it doesn't affect your credit score.

    The downside is that the card does not offer any rewards, but is able to build up your credit as long as you use it wisely.

    Learn more about the Capital One Platinum Credit Card here.

    Pros

    • Opportunity to build credit history

    • Opportunity to roll card into an unsecured version

    Cons

    • No rewards

    • High APR

    Capital One Platinum Credit Card

    3.

    Chase Sapphire Preferred® Card

  • Best for:

    Quality Support

    Chase Sapphire Preferred® Card

  • Best for convenience

    3
    • Best travel rewards card with generous points

    • Easily redeemable points, even better when spent on travel

    • Benefits of the card outweigh the annual fee

    The Chase Sapphire Preferred credit card is our top pick when it comes to travel rewards. You earn 2x the points for spending on travel — when you redeem those points towards travel, they are worth 25% more when booked through Chase Ultimate Rewards. In addition, the Chase Ultimate Rewards portal is easy to use, allowing you to redeem rewards and points quickly.

    We recommend the Chase Sapphire Preferred as a no-brainer if you are looking for a travel credit card. They are currently offering 60,000 points (a $750 value) if you spend $4,000 in three months. The card does have a $95 annual fee, but we feel it's well worth the cost for the introductory offer and the value you get if you travel often.

    Learn more about the Chase Sapphire Preferred® Card here.

    Pros

    • Best travel point accrual

    • Several ways to earn rewards

    • Access to Chase portal

    Cons

    • Annual fee

    • Requires a stellar credit score

    • Possible high APR

    Chase Sapphire Preferred® Card

    4.

    Citi® Diamond Preferred® Card

  • Best for:

    Best Balance Transfer

    Citi® Diamond Preferred® Card

  • Best for convenience

    4
    Get Started
    • Best balance transfer card for credit debt and interest

    • Great rates upon opening the card

    • Convenience and protection

    If you are looking for a balance transfer credit card, the Citi Diamond Preferred card cannot be beaten. They offer a 0% Intro APR for 21 months on balance transfers from the date of the first transfer and a 0% Intro APR for 12 months on purchases from the date of account opening. After the introductory period, the go-to APR ranges from 17.49% - 28.24% based on your credit.

    This card is our top choice when it comes to balance transfers. Balance transfers are a way to stop paying interest on other credit cards, and with the Citi® Diamond Preferred® card's favorable rates, we believe it can't be beaten. The card doesn't earn rewards or cash-back, but if you are looking to stop paying interest, this card best fills that need.

    Learn more about the Citi® Diamond Preferred® Card here.

    Pros

    • Allows four months to transfer balances

    • Most credit types are accepted

    • Provides access to in-demand events

    Cons

    • Doesn't earn rewards

    • Foreign transaction fees

    • Possible high APR

    Citi® Diamond Preferred® Card

    5.

    Capital One SavorOne Cash Rewards Credit Card

  • Best for:

    Travel and Dining

    Capital One SavorOne Cash Rewards Credit Card

  • Best for convenience

    5
    Get Started
    • $0 Annual Fee

    • $200 Bonus after spending $500 in first 3 months

    • Rewards on Travel and Dining

    If you spend a good amount of money dining out or on entertainment, we recommend the Capital One SavorOne Cash Rewards Credit Card. They offer unlimited 3% cash back on dining, entertainment, popular streaming services, and groceries.

    On top of that, there's no annual fee. Capital One is offering a $200 bonus if you spend $500 within the first three months of opening the card.

    Learn more about the Capital One SavorOne Cash Rewards Credit Card here.

    Pros

    • Opportunities to earn rewards on dining and travel

    Cons

    • High ongoing APR

    Capital One SavorOne Cash Rewards Credit Card

    6.

    Capital One Quicksilver Cash Rewards Credit Card

  • Best for:

    Average Credit

    Capital One Quicksilver Cash Rewards Credit Card

  • Best for convenience

    6
    Get Started
    • $0 Annual Fee

    • Great for Building Credit

    • Earn Rewards

    The Capital One Quicksilver Cash Rewards Credit Card is another great credit card because it earns 1.5% cash-back on all purchases. It's also a great credit-building card because they accept a wider variety of credit scores.

    Capital One is offering a $200 bonus on $500 spent within the first three months of opening the card. Cash-back rewards never expire for the life of the account.

    Learn more about the Capital One Quicksilver Cash Rewards Credit Card here.

    Pros

    • Great card for building credit history

    • Opportunities to earn rewards

    Cons

    • Requires stellar credit

    • No bonus categories

    Capital One Quicksilver Cash Rewards Credit Card

    7.

    American Express Blue Business Cash™ Card

  • Best for:

    Business Credit Card

    American Express Blue Business Cash™ Card

  • Best for convenience

    7
    Get Started

    Terms Apply and See rates and fees here.

    • $0 Annual Fee

    • 15,000 Membership Rewards Points after qualifying purchases

    • Expense Management tools

    Are you a business owner? Do you need a company credit card? American Express's Blue card is specifically intended for business use with higher lines of credit that still earn rewards! We see lots of business owners opt for this American Express card, and there's a reason why. There just simply is no better alternative when it comes to business cards.

    American Express is offering 2x the points on the first $50,000 spent and 1x rewards after that. This card also connects to QuickBooks and other business software, making it easier to manage finances.

    Check out the Benefits Terms and Offer Terms for the American Express Blue Business Cash™ Card.

    Learn more about the American Express Blue Business Cash™ Card here.

    Pros

    • Opportunities to earn rewards

    • Expanded buying power

    Cons

    • Foreign transaction fees

    • Possible high APR

    American Express Blue Business Cash™ Card

    Here's How We Rated the Best Credit Card Providers

    • Let Us Do The Leg Work

    We understand how tedious and frustrating it can be to sift through all of the companies on the internet on your own. Painting a comprehensive picture of each company is essential in determining which option is best for you, but it requires hours of in depth research. Thankfully, we have a team of expert researchers who have already done the work.

    • How We Earn

    Our ratings and reviews are free for you because some of our partners will pay us a commission when you click one of our links to their site. These paid partners are clearly labeled across the site to ensure full transparency. Our team members do not personally accept compensation for favorable reviews.

    • How We Rank Our Partners

    The rankings of companies on our site can change at any time and are dependent on evolving information on company pricing, customer satisfaction, and more. Compensation in no way fully determines the order in which we rank the providers, and all recommendations are completely unbiased.

    • Our Research Process

    We designed a rubric to objectively evaluate each provider, and our team does extensive research in order to give scores for each metric, like affordability, customer service, average policy value, coverage quality, and more. We analyze thousands of reviews across dozens of sites, along with signing up ourselves so we can compare first hand experiences.

    Editorial Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.


    Expiry Disclosure: The content on this page is accurate as of the posting date; however some of the offers above may be out of date.

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