The best credit cards in the USA offer a range of benefits, including cash back, rewards points, sign-up bonuses, and low interest rates. Here are five of the best credit cards available in the US, along with a brief description of each one.
Chase Sapphire Preferred: This card offers a generous sign-up bonus of 100,000 points (worth $1250 in travel) after you spend $4,000 on purchases in the first three months. Cardholders also earn 2x points on travel and dining purchases, and 1x points on all other purchases.
Capital One Venture Rewards: This card offers a sign-up bonus of 100,000 miles (worth $1000 in travel) after you spend $20,000 in the first 12 months, or 50,000 miles after you spend $3000 on purchases in the first three months. Cardholders also earn unlimited 2x miles on all purchases.
Citi Double Cash: This card offers a simple cash back program, with cardholders earning 1% cash back on all purchases and an additional 1% cash back when they pay their bill. There are no annual fees, and no rotating categories to keep track of.
American Express Gold Card: This card offers 4x Membership Rewards points on dining and supermarket purchases (up to $25,000 per calendar year, then 1x), 3x points on flights booked directly with airlines or through American Express Travel, and 1x points on all other purchases. There’s also a $120 dining credit each year, and a $100 airline fee credit.
Wells Fargo Propel American Express: This card offers 20,000 points (worth $200 in travel) after you spend $1,000 on purchases in the first three months. Cardholders also earn 3x points on travel, dining, gas stations, rideshares, and popular streaming services, and 1x points on all other purchases.
Each of these credit cards offers a different set of benefits, so it’s important to choose the one that’s best suited to your spending habits. Whichever card you choose, be sure to pay your bill on time and in full each month to avoid interest charges and maintain a good credit score.
