Best Credit Cards in America: Top Credit Card Offers for June 2025

How I Chose the Best Credit Cards

Choosing the best credit cards is a momentous task and a responsibility I take very seriously. I regularly evaluate dozens of credit cards available to consumers and business owners, and update this guide on a monthly basis.

In addition to considering my own perspective and consulting with industry colleagues, I also read popular forums such as Reddit and FlyerTalk to see what everyday consumers are saying about different cards.

I evaluated each of the cards in this guide — and screened out many others — against the following criteria:

• Simplicity: All of the cards on this list are easy for consumers to use and understand. While I regularly update several credit card guides for maximizing rewards and benefits, my list of top recommendations is meant to help people like my parents find an easy card to use for everyday purchases.
• Affordability: Most of the credit cards in this guide don't cost you any money to keep. While there's a case to be made for paying a high annual fee when you're getting high value in return, most people dislike the idea of paying money to spend money.
• Value: A good credit card should offer enough value to offset any annual fee several times over. When evaluating no-annual-fee cards, I focused on the ones that provide the best benefits or most generous rewards.

Read Business Insider's guide to points and miles valuations to learn what your credit card rewards are worth, and learn more about how we rate credit cards.

About Our Picks for the Best Credit Cards

Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card is ideal for people who prioritize flat-rate cash rewards. Its ease of use makes it our pick for the best credit card for earning cash rewards.

This card is all about simple math and cash, earning unlimited 2% cash rewards on purchases across all categories. Wells Fargo Rewards can easily be redeemed for statement credits, gift cards, travel, and more.

New cardholders can easily earn a $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening. There's also a 0% intro APR on purchases and qualifying balance transfers for 12 months from account opening, followed by a 19.24%, 24.24%, or 29.24% variable APR.

Finally, the Wells Fargo Active Cash® Card comes with a wide range of valuable benefits including cell phone protection for up to $600 per claim.

This card does charge foreign transaction fees, so leave it at home on international trips.

What I love: Flat-rate 2% cash rewards and 0% intro APR with no annual fee

What I don't love: Foreign transaction fees

Capital One Savor Cash Rewards Credit Card

The Savor Cash Rewards Credit Card is the best credit card for foodies.

That's because this card earns serious rewards on food and fun: 8% cash back on Capital One Entertainment purchases, 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), and 1% cash back on all other purchases.

Capital One miles are very easy to use once you've earned them, and have an average value of 1.7 cents apiece by Business Insider's calculations of what points and miles are worth.

New cardholders can earn $200 cash back after you spend $500 on purchases within three months from account opening, and 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), followed by 19.24% - 29.24% Variable APR.

What I love: Great earning rates, no annual fee, and 0% intro APR

What I don't love: Typically requires excellent credit score for approval

Pro tip: If you're a student, you may want to consider the Capital One Savor Student Cash Rewards Credit Card. It has more lenient credit requirements but earns the same generous rewards.

Citi Double Cash Card

The Citi® Double Cash Card offers solid benefits and rewards while helping you pay off debt via a long balance transfer period, making it our top credit card for paying down debt. New cardholders can benefit from a 0% intro APR on balance transfers for 18 months, then 18.24% - 28.24% Variable APR.

Cardholders who want to make a balance transfer must pay the following balance transfer fee: 3% intro fee of each transfer ($5 minimum) completed within the first four months of account opening, then 5% of each transfer ($5 minimum). But this expense is significantly lower than the credit card interest you'd pay elsewhere.

The Citi® Double Cash Card earns unlimited 2% cash back on every purchase (1% cash back when you buy, plus an additional 1% as you pay for those purchases) and 5% cash back on hotel and car rentals booked on the Citi Travel℠ portal through 12/31/25.

This rate is generous for a card with no annual fee that offers such a long period with no interest, and makes the Citi® Double Cash Card worth keeping in your wallet long after your zero-interest offer expires.

New cardholders can also earn $200 cash back, fulfilled as 20,000 ThankYou® Points, after spending $1,500 on purchases in the first six months of account opening.

What I love: Long 0% intro APR period for balance transfers, no annual fee

What I don't love: No 0% intro APR for purchases

Chase Sapphire Preferred® Card

Best credit card for travelers

Chase Sapphire Preferred® Card

Read Review

Insider’s Rating

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.4/5

Perks

Earn 5 points on travel purchased through Chase Travel℠. Earn 3 points on dining, select streaming services and online groceries. Earn 2 points on all other travel purchases. Earn 1 points on all other purchases.

Annual Fee

$95

Intro APR

N/A

Regular APR

19.99% - 28.24% Variable

Intro Offer

Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Earn 60,000 bonus points

Recommended Credit

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Good to Excellent

Pros

• High intro bonus offer starts you off with lots of points
• Strong travel coverage

Cons

• Doesn't offer a Global Entry/TSA PreCheck application fee credit

Insider’s Take

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

Chase Sapphire Preferred review

Product Details

• Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Show Pros, Cons, and More

The Chase Sapphire Preferred® Card is best for travelers for several reasons. One of those factors is complimentary travel insurance with generous coverage terms, especially for its low annual fee of $95.

Travel insurance benefits help you recoup non-refundable expenses when things go awry, and this coverage is particularly beneficial for families who may need to cancel or postpone travel at the last minute for illness or bad weather.

Cardholders also get primary car rental insurance, trip delay insurance, and baggage delay insurance.

Finally, cardholders earn 5 points on travel purchased through Chase Travel℠, 3 points on dining, select streaming services and online groceries, 2 points on all other travel purchases, and 1 point on all other purchases. They also get a 10% anniversary points bonus, and up to $50 a year in statement credits for hotels booked through Chase.

What I love: Primary rental car insurance, generous travel credit, easy rewards

What I don't love: Annual fee

Pro tip: Right now, new cardholders can earn a welcome bonus of 60,000 bonus points after you spend $5,000 on purchases in the first three months from account opening. This offer is worth $1,080, according to Business Insider's valuations.

Blue Cash Preferred® Card

Best credit card for families

Blue Cash Preferred® Card from American Express

Read Review

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

3.5/5

Perks

Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Earn 6% Cash Back on select U.S. streaming subscriptions. Earn 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). Earn 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Annual Fee

$0 intro for the first year, then $95

Intro APR

0% intro APR for 12 months on purchases and balance transfers from the date of account opening

Regular APR

20.24% - 29.24% variable

Intro Offer

$250 statement credit after you spend $3,000 in eligible purchases on your new card within the first six months from account opening

Earn a $250 statement credit

Recommended Credit

Good to Excellent

Pros

• Generous bonus rewards, especially at U.S. supermarkets
• One of a small handful of credit cards that offer bonus rewards on select streaming services
• Intro APR offer

Cons

• Unlike many other cash-back cards, it charges an annual fee
• If you spend more than $6,000 at US supermarkets each year, you'll want to use another card once you reach that cap

Insider’s Take

The Amex Blue Cash Preferred® is one of the best cash-back cards, particularly for consumers who spend a lot of money at U.S. supermarkets, use streaming services, or have lots of commuting and gas expenses. The annual fee is worth it if your typical spending lines up with the card's bonus categories.

Amex Blue Cash Preferred® Card review

Product Details

• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments with a fixed fee. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Show Pros, Cons, and More

The Blue Cash Preferred® Card from American Express is a fantastic household credit card for families who spend money on groceries, commutes, and streaming services.

This card earns 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) and on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit, and 1% cash back on other purchases (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout). Terms apply.

The Blue Cash Preferred® Card from American Express has an annual fee of $0 intro for the first year, then $95 (rates and fees). If you max out the cash back bonus at U.S. supermarkets spending $6,000 each year, that's $360 of cash in your pocket — significantly more than the annual fee you'll start paying in Year 2.

What I love: Generous rewards for gas, transit, groceries, and streaming expenses

What I don't love: Annual fee after the first year (rates and fees)

Pro tip: If you like everything about this card except its yearly cost, consider its sibling, the no-annual-fee Blue Cash Everyday® Card from American Express.

This card earns 3% cash back at U.S. supermarkets, at U.S. gas stations, and on U.S. online retail purchases (on up to $6,000 per category per year, then 1%) and 1% cash back on other purchases (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout).

Chase Freedom Unlimited®

Best credit card for 0% intro APR

Chase Freedom Unlimited®

Read Review

Insider’s Rating

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.35/5

Perks

Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for the first 15 months

Regular APR

18.99% - 28.49% Variable

Intro Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Earn a $200 bonus

Recommended Credit

Good to Excellent

Pros

• Solid flat cash-back rate
• You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
• No annual fee

Cons

• Some other cards offer a higher rate of cash back on certain types of purchases

Insider’s Take

The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.

Chase Freedom Unlimited review

Product Details

• Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Show Pros, Cons, and More

The Chase Freedom Unlimited® is our pick for the best credit card for an intro APRO because it offers a generous 0% intro APR on purchases and balance transfers for the first 15 months, then 18.99% - 28.49% Variable APR.

The Chase Freedom Unlimited® also earns great rewards, especially for a no-annual-fee credit card: 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.

New cardholders can earn a generous welcome bonus on this card: $200 bonus after you spend $500 on purchases in the first three months from account opening.

This card charges Chase Travel℠ portal.

Chase points are some of the most valuable credit card rewards you can earn, worth an average of 1.8 cents apiece by Business Insider's valuations.

Bilt Mastercard®

The Bilt Mastercard® is a one-size-fits-all credit card for young adults because it earns bonus points on restaurant and travel purchases.

Young adults can even earn up to 100,000 Bilt Points. Simply link any credit card to the Bilt app wallet to earn points on all eligible dining purchases.

Discover it® Cash Back

The Discover it® Cash Back makes earning extra fun, when you enroll in the quarterly 5% bonuses that change every three months with up to $1,500 in combined category spending.

Cardholders can earn 5% cash back on purchases from rotating categories each quarter up to $1,500 when you activate and unlimited 1% cash back on all other purchases (from April 1 to June 30, 2025, earn 5% cash back at grocery stores and wholesale clubs on up to $1,500 in purchases after enrollment, then 1%).

I use Business Insider's Discover it Cashback Match program. This means you'll have your rewards earnings matched at the end of Year 1 of card ownership.

This card offers new cardholders a generous zero-interest offer on new purchases and existing debt: 0% intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR APR.

While some cards offer longer 0% APR periods, few do so while still earning rewards as generous as the Discover it® Cash Back.

What I Love: 5% bonus quarterly rotating categories up to quarterly maximum after activation, generous 0% intro APR, and Cashback Match for first-year cardholders

What I Don't Love: 1% rewards on non-bonus categories

Southwest Rapid Rewards® Priority Credit Card

Best credit card for Southwest fans

Southwest Rapid Rewards® Priority Credit Card

Read Review

Insider’s Rating

3.75/5

Perks

Earn 3 points per dollar on Southwest® purchases. Earn 2 points per dollar on local transit and commuting, including rideshare; on internet, cable, and phone services; on select streaming; and on Rapid Rewards hotel and car rental partner purchases. Earn 1 point per dollar spent on all other purchases.

Annual Fee

$149

Intro APR

N/A

Regular APR

20.49% - 27.49% Variable

Intro Offer

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Earn 50,000 points

Recommended Credit

Good to Excellent

Pros

• Generous annual benefits, including a Southwest travel credit and anniversary points, plus upgraded boardings and in-flight discounts
• If you fly Southwest several times a year, the benefits easily outweigh the annual fee
• Annual fee is low compared to other premium airline credit cards

Cons

• Highest annual fee among Southwest consumer cards

Insider’s Take

If you can make use of the Southwest Rapid Rewards® Priority Credit Card's many benefits and perks, it's well worth the annual fee. Otherwise, have a look at other Southwest cards like the Southwest Rapid Rewards® Plus Credit Card and Southwest Rapid Rewards® Premier Credit Card, which have lower annual fees but the same elevated welcome bonus offer.

Southwest Rapid Rewards® Priority Credit Card review

Product Details

• Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
• 7,500 anniversary points each year.
• Earn 3X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• $75 Southwest® travel credit each year.
• No foreign transaction fees.
• Member FDIC

Show Pros, Cons, and More

Southwest is one of the most popular airlines for U.S. travelers, and the Southwest Rapid Rewards® Priority Credit Card gives frequent flyers a serious leg up on benefits.

This credit card is Southwest's premium consumer card and comes with a $149 annual fee. But cardholders get an annual credit of $75 toward Southwest flights, which effectively halves the out-of-pocket cost of the annual fee.

After 50-odd years of proudly proclaiming no bag fees, Southwest Airlines began charging for checked bags in late May 2025. But cardholders and travelers with elite status will still be able to check at least one free bag per flight.

Southwest will also begin charging for seat assignments in late 2025. While we don't yet know many details about this momentous change, cardholders will likely get exclusive benefits that everyday travelers do not. If nothing else, Southwest Rapid Rewards® Priority Credit Cardholders will earn 3 points per dollar when paying for preferred seating.

The Southwest Rapid Rewards® Priority Credit Card won't do you any good if you don't fly Southwest, of course. But if you do, this card can help you fast-track your way to elite status and the coveted Capital One travel portal, and a 10,000-mile bonus on each account anniversary worth at least $100 toward travel. New customers can also earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.

Rewards are very easy to calculate: 10 miles on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights and vacation rentals booked through Capital One Travel, and 2 miles on all other purchases. They're also very easy to redeem.

What I love: Airport lounge access for myself and all authorized users, easy rewards, strong benefits

What I don't love: High annual fee

FAQs

Katherine Fan

Correspondent, Credit Cards

Katherine Fan was a personal finance expert, journalist, and public speaker with 10 years of industry experience. She covered all things credit cards for Business Insider's personal finance hub.ExperienceKatherine has published more than 1,800 articles, guides, and reviews covering credit card benefits and rewards, small business finances, points and miles travel, loyalty programs, and real estate investing. She wrote full-time for The Points Guy and NerdWallet before joining Business Insider.

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Angela Fung

Affiliate Compliance and Operations Manager

Angela Fung is the compliance and operations manager for Business Insider’s personal finance team. She is a personal finance expert and has been a part of Business Insider for over four years. ExperienceAngela leads the compliance team in identifying and reducing risk for readers, the editorial team, and external financial partners. Her team aims to provide readers with accurate, up-to-date information about financial products and maintain reader trust. She ensures regulatory and partner marketing guidelines are upheld for partners and adheres to the personal finance team’s editorial standards so they can maintain editorial independence. Angela likes helping readers better understand personal finance so that they can build a strong foundation for their financial plan and, hopefully, give themselves the freedom to do more in other facets of their lives.ExpertiseAngela has expertise in and oversees compliance in the following areas of personal finance:

• Personal credit cards
• Business credit cards
• High-yield savings accounts
• CDs

She also has a thorough knowledge of federal regulation for consumer financial protection. A few examples include:

• Regulation Z, Truth in Lending
• Unfair, Deceptive, Or Abusive Acts Or Practices (UDAAP)
• Regulation N, Mortgage Acts and Practices Advertising Rule
• Endorsement Guidelines

EducationAngela graduated from the University of Chicago with a bachelor’s degree in neuroscience. In her free time, she shoots lifestyle photography, volunteers at Meals for Unity, and plays tennis.

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