Wealth Wire's Top 7 Credit Cards
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- 200Hours of Research
- 33+Sources Used
- 14Companies Vetted
- 8Features Reviewed
- 7Top 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.
- Best Travel Rewards
- Earn 60,000 points on qualified purchases
- Several ways to earn rewards
- 0% Intro APR first 12 months
- 0% Balance Transfer APR first 21 months
- Convenience and Protection
- $0 Annual Fee
- 15,000 Membership Rewards Points after qualifying purchases
- Expense Management tools
- $0 Annual Fee
- $200 Bonus after spending $500 in first 3 months
- Rewards on Travel and Dining
Providers
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
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
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Generous cash back on groceries, gas, and transportation
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No annual fee for the first year
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0% intro APR and buy now pay later plans
Cons
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Small annual fee after the first year
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$6,000 limit on 6% cash back at U.S. supermarkets. 1% after the $6,000 limit
Capital One Platinum Credit Card
Best for:
Less Than Steller Credit
$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.
Pros
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Opportunity to build credit history
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Opportunity to roll card into an unsecured version
Cons
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No rewards
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High APR
Chase Sapphire Preferred® Card
Best for:
Quality Support
Chase Sapphire Preferred® Card
Best for convenience
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.
Pros
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Best travel point accrual
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Several ways to earn rewards
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Access to Chase portal
Cons
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Annual fee
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Requires a stellar credit score
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Possible high APR
Chase Sapphire Preferred® Card
Citi® Diamond Preferred® Card
Best for:
Best Balance Transfer
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.
Pros
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Allows four months to transfer balances
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Most credit types are accepted
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Provides access to in-demand events
Cons
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Doesn't earn rewards
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Foreign transaction fees
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Possible high APR
Capital One SavorOne Cash Rewards Credit Card
Best for:
Travel and Dining
$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
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Opportunities to earn rewards on dining and travel
Cons
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High ongoing APR
Capital One Quicksilver Cash Rewards Credit Card
Best for:
Average Credit
$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
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Great card for building credit history
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Opportunities to earn rewards
Cons
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Requires stellar credit
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No bonus categories
American Express Blue Business Cash™ Card
Best for:
Business Credit Card
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
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Opportunities to earn rewards
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Expanded buying power
Cons
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Foreign transaction fees
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Possible high APR
Here's How We Rated the Best Credit Card Providers
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