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The best credit card is one that's best aligned with your specific needs. Savvymints's credit card experts have reviewed and rated hundreds of options for the best credit cards of 2025 � from generous rewards and giant sign-up bonuses to long 0% APR periods and credit-building help, so you can find the best fit for your needs. Show More
Why trust Savvymints
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400+ credit cards reviewed by our team of experts ( See our top picks )
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80+ years of combined experience covering credit cards and personal finance
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27,000+ hours spent researching and reviewing financial products in the last 12 months
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Objective comprehensive ratings rubrics ( Methodology )
Savvymints's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows Savvymints's strict guidelines for editorial integrity .
Why trust Savvymints
-
400+ credit cards reviewed by our team of experts ( See our top picks )
-
80+ years of combined experience covering credit cards and personal finance
-
27,000+ hours spent researching and reviewing financial products in the last 12 months
-
Objective comprehensive ratings rubrics ( Methodology )
Savvymints's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows Savvymints's strict guidelines for editorial integrity .
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Best Credit Cards of 2025: Best Offers
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Chase Freedom Unlimited� : Best for All-around cash back
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Wells Fargo Active Cash� Card : Best for 2% cash back
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Citi Simplicity� Card : Best for Balance transfers + no late fees
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Chase Sapphire Preferred� Card : Best for Bonus travel rewards
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Capital One Savor Cash Rewards Credit Card : Best for Food and entertainment
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Wells Fargo Reflect� Card : Best for Longest Intro APR period for transfers and purchases
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Blue Cash Preferred� Card from American Express : Best for Families & households
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American Express Platinum Card� : Best for Luxury travel perks
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Capital One Venture Rewards Credit Card : Best for Simple travel rewards
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U.S. Bank Shield� Visa� Card : Best for Long intro APR period + side perks
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Discover it� Cash Back - 18 Month Intro Balance Transfer Offer : Best for Long intro period + quarterly categories
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Capital One Venture X Rewards Credit Card : Best for Travel portal benefits
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Capital One Savor Student Cash Rewards Credit Card : Best for Going out & staying in
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Best for: All-around cash back
Annual fee$0Rewards rate1.5%-5%CashbackIntro offer$200Recommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR on purchases for 15 monthsBalance transfer intro APR0% intro APR on balance transfers for 15 monthsRegular APR18.74%-28.24% Variable APRApply Now on Chase's websiteon Chase's websiteAnnual fee$0Rewards rate1.5%-5%CashbackIntro offer$200Recommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR on purchases for 15 monthsBalance transfer intro APR0% intro APR on balance transfers for 15 monthsRegular APR18.74%-28.24% Variable APRRewards breakdown
5%Cash back on travel purchased through Chase Travel?.3%Cash back on drugstore purchases.3%Cash back on dining at restaurants, including takeout and eligible delivery services.1.5%Cash back on all other purchases.Card 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 18.74% - 28.24%.
- 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
- View Rates & Fees
Savvymints's take
Read full reviewPros- No annual fee
- Intro APR period
- High rewards rate
- No minimum redemption amount
Cons- Requires good/excellent credit
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Best for: 2% cash back
Apply Now on Wells Fargo's websiteon Wells Fargo's websiteAnnual fee$0Rewards rate2%CashbackIntro offer$200Recommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR for 12 months from account opening on purchasesBalance transfer intro APR0% intro APR for 12 months from account opening on qualifying balance transfersRegular APR18.74%, 24.74%, or 28.74% Variable APRRewards breakdown
2%Unlimited Cash rewards on purchases.Card details
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don�t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature� Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- View Rates & Fees
Savvymints's take
Read full reviewPros- High rewards rate
- No annual fee
- Intro APR period
Cons- No bonus categories
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Best for: 2% cash back
Annual fee$0Rewards rate2%CashbackIntro offer$200Recommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR for 12 months from account opening on purchasesBalance transfer intro APR0% intro APR for 12 months from account opening on qualifying balance transfersRegular APR18.74%, 24.74%, or 28.74% Variable APRRewards breakdown
2%Unlimited Cash rewards on purchases.Card details
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don�t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature� Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- View Rates & Fees
Savvymints's take
Read full reviewPros- High rewards rate
- No annual fee
- Intro APR period
Cons- No bonus categories
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Best for: 2% cash back
Apply Now on Wells Fargo's websiteon Wells Fargo's websiteAnnual fee$0Rewards rate2%CashbackIntro offer$200Recommended credit score690-850(Good - Excellent)Purchase intro APR0% intro APR for 12 months from account opening on purchasesBalance transfer intro APR0% intro APR for 12 months from account opening on qualifying balance transfersRegular APR18.74%, 24.74%, or 28.74% Variable APRRewards breakdown
2%Unlimited Cash rewards on purchases.Card details
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don�t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature� Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- View Rates & Fees
Savvymints's take
Read full reviewPros- High rewards rate
- No annual fee
- Intro APR period
Cons- No bonus categories
