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Credit cards are a necessary amenity for the citizens of the United States. With the recent elections and economic uncertainty, it is hard to determine which credit card will give you the most benefits and which cards are most suitable.
I have prepared this guide for people who are researching credit cards. This guide weights all the options available in the United States. I have also included all the benefits, pros and cons, and fees. I am certain that this guide will immensely help you while researching for the right credit card for your goal.
Best Credit Cards 2025
According to My research, these are the best credit cards of 2025 in the United States. The choice of cards is based on the benefits, fees, reputation of credit card, and credit score –
- Best Credit Card For Travel 2025
- Chase Sapphire Preferred Card
- Chase Sapphire Reserve
- Capital One Venture Rewards Credit Card
- The Platinum Card By American Express
- American Express Gold Card
- Citi Premier Card
- Bank of America Travel Rewards Credit Card
- Best Cash Back Credit Cards 2025
- Citi Double Cash Card
- Wells Fargo Active Cash℠ Card
- Chase Freedom Unlimited
- Discover it Cash Back
- Chase Freedom Flex
- Capital One Quicksilver Cash Rewards Credit Card
- Citi Custom Cash Card
- American Express Cash Magnet Card
- Best Cards for Dining and Entertainment 2025
- Capital One Savor Cash Rewards Credit Card
- American Express Gold Card
- Chase Sapphire Reserve
- Chase Sapphire Preferred Card
- Best Cards for Grocery Shopping 2025
- Blue Cash Preferred Card from American Express
- American Express Gold Card
- Best Cards for Amazon Shopping 2025
- Amazon Prime Rewards Visa Signature Card
- Chase Freedom Unlimited
- Best Business Credit Cards 2025
- American Express Blue Business Cash Card
- Ink Business Preferred Credit Card
- Best Airline Credit Cards 2025
- Delta SkyMiles Gold American Express Card
- United℠ Explorer Card
- Southwest Rapid Rewards Plus Credit Card
- Alaska Airlines Visa Signature Credit Card
- Barclays AAdvantage Aviator Red World Elite Mastercard
- Best Hotel Credit Cards 2025
- Hilton Honors American Express Surpass Card
- Marriott Bonvoy Boundless Credit Card
- Best Cards for Balance Transfers 2025
- Citi Double Cash Card
- U.S. Bank Visa Platinum Card
- Navy Federal Credit Union Platinum Credit Card
- Best Cards for Apple Users
- Apple Card
- Best Cards with No Annual Fee
- Citi Double Cash Card
- Wells Fargo Active Cash Card
- Discover it Cash Back
- Chase Freedom Unlimited
- Chase Freedom Flex
- Best Cards for Low Interest Rates
- Navy Federal Credit Union Platinum Credit Card
- U.S. Bank Visa Platinum Card
Plese note that some credit cards are added in more than one category. This is because these cards provide mulitple benefits and thus suits for multiple categories.
Best Travel Credit Cards of 2025
Let us take a detailed look at Best travel credit cards of 2025 in detail.
Chase Sapphire Preferred Card
The first credit card in our list is the Chase Sapphire Preferred Card. This card is offered by Chase and is one of the best cards for Travel and Dining. This card has won sevelar awards in the travel category and is considered one of the best for travel.
The main benefits of Chase Sapphire Preferred Card includes a 60,000 bonus points after you spend $4000 in the first three months. It also offers 2X points on dining and travel and 1X point on all other purchases. Apart from that, the points earned through this card are 25% more valuable when you redeem for travel through the Chase Ultimate Reward.
The best part? There is no foreign transaction fees whenever you make a purchase or travel outside the United States.
Here is a list of all benefits offered by the Chase Sapphire Preferred Card –
Rewards & Points
- 60,000 bonus points after you spend $4,000 in first 3 months
- 5X points on travel purchased through Chase Travel
- 3X points on dining (including delivery and takeout)
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 3X points on select streaming services
- 2X points on other travel purchases
- 1X point on all other purchases
- 10% anniversary bonus points on total purchases from previous year
- 5X points on Lyft rides through March 31, 2025
- 5X points on Peloton equipment/accessories over $150 (max 25,000 points) through March 31, 2025
Travel Benefits:
- $50 annual statement credit for hotel stays through Chase Travel
- 25% more value when points are redeemed for travel through Chase Travel
- 1:1 point transfer to multiple airline partners
Protection Benefits
- Insurance on Trip Cancellation & Interruption (up to $10,000 per person, $20,000 per trip)
- Vehical Rental Collision Coverage (up to $60,000)
- Insurance on Baggage Delay ($100/day for up to 5 days)
- Reimbursement on Trip Delay (up to $500 per covered traveler)
- Travel and Emergency Assistance Services
- Purchase Protection (120 days, up to $500 per item)
- Extended Warranty Protection (extends U.S. warranties by 1 year)
Additional Benefits
- DoorDash DashPass membership for 12 months ($120 value)
- Up to $10 off monthly on non-restaurant DoorDash orders
- No expiration on points while account is open
- Chase Pay Over Time option for purchases over $100
- $150 in additional partnership benefits
You can also trasfer Chase Sapphire Preferred Card’s points to multiple travel partners. It has a big signup bonus and covers various expenses in the travel category.
However, there is no introductory APR offer and you have to pay an annual fees of $95 for this card.
Overall, the Chase Sapphire Preferred Card is good for people who have to travel a lot inside or outside of the United States.
Chase Sapphire Reserve
The Chase Sapphire Reverve is a luxurious version of the Chase Sapphire Preferred Card. Although there is not much difference in the benefits, the annual fees are credit benefits are much higher in case of the Chase Sapphire Reserve Card.
This card is good for people who regularly travels, dines outside, or take takeout or food delivaries. It is also good for people who often travels via air and seeks airport lounge access. The annual fees of this card is $500 which is expensive. However you also get a $300 credit. So if you can spend those $300 with the card, the pricing of this card justifies.
Here is a list of all benefits included with the Chase Sapphire Reserve card –
Rewards & Earning Points
- 60,000 bonus points after spending $4,000 in first 3 months
- 10X points on hotels and car rentals through Chase Travel
- 10X points on Chase Dining purchases
- 5X points on flights through Chase Travel
- 3X points on dining (including delivery and takeout)
- 3X points on other worldwide travel
- 10X points on Lyft rides
- 10X points on Peloton equipment/accessories over $150 (max 50,000 points) through March 31, 2025
Travel Benefits
- $300 annual travel credit
- 50% more value when points are redeemed for travel (60,000 points = $900)
- Complimentary Priority Pass™ Select membership with access to 1,300+ airport lounges
- Access to Chase Sapphire Lounges
- Up to $120 credit for Global Entry, TSA PreCheck, or NEXUS every 4 years
- No foreign transaction fees
- No blackout dates or travel restrictions
- The Edit℠ benefits:
- Daily breakfast for two
- $100 property credit
- Room upgrades (when available)
- Special car rental benefits with Avis, Hertz, National, and Audi On Demand
Protection Benefits
- Auto Rental Coverage (up to $75,000)
- Trip Cancellation/Interruption Insurance (up to $10,000 per person, $20,000 per trip)
- Trip Delay Reimbursement (after 6 hours, up to $500)
- Travel Accident Insurance (up to $1,000,000)
- Lost Luggage Reimbursement (up to $3,000 per traveler)
- Baggage Delay Insurance ($100/day for up to 5 days)
- Emergency Evacuation and Transportation (up to $100,000)
- Emergency Medical and Dental Coverage (up to $2,500)
- Purchase Protection (120 days, up to $10,000 per item)
- Return Protection (90 days, up to $500 per item, $1,000 per year)
- Extended Warranty Protection
- Roadside Assistance (4 incidents per year, up to $50 each)
Additional Benefits
- Complimentary 2-year Lyft Pink All Access membership
- DoorDash Benefits:
- Complimentary DashPass membership
- $5 monthly DoorDash credit
- Up to $20 monthly for non-restaurant orders
- 24/7 customer service specialist access
- 24/7 fraud monitoring
- Zero liability protection
- Chip-enabled security
- 1:1 point transfer to travel partners
- No point expiration while account is open
- $1,000 in partnership benefits value
The annual fees of Chase Sapphire Reserve credit card is $550 and you will need an excellent credit score if you want to get this credit card.
Capital One – Venture Rewards Credit Card
The next best credit card for travel in our list is the Venture Rewards Credit Card from Capital One. This credit card gives excellent sign up bonus and perks to frequent travelers. This card is also ideal for those people who need a flaxible redemption choices.
If we talk about the benefits of the Venture Reward Credit Card, on sign up you will earn 75,000 miles after speding $4000 within the first three months. Apart from that, you will also get unlimited 2X miles on every purchase nd upto $100 in credit for Global Entry or TSA Pre. Furthermore, there is no foreign transaction fees for this card just like the Chase Sapphire Preffered Credit Card.
Here is a list of all benefits you will get with this credit card –
Welcome Bonus & Rewards
- 75,000 bonus miles after spending $4,000 in first 3 months
- Unlimited 2X miles on every purchase
- 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
- Miles don’t expire for the life of the account
Travel Benefits
- No blackout dates
- No foreign transaction fees
- $50 experience credit for Lifestyle Collection hotel stays
- Up to $120 credit for Global Entry or TSA PreCheck
- Complimentary Hertz Five Star status benefits:
- Skip rental counter
- Wider car selection
- Capital One Travel benefits:
- Price drop protection
- Flexible redemption options
Additional Benefits
- Access to exclusive experiences:
- Premium hotel stays
- Dining experiences
- Concerts
- Sporting events
- Special reservations
- Member exclusives for travel bookings
- Flexible redemption options
Overall the Venture Rewards Credit Card is an excellent credit card for travelers who wants flexible redemption choices and straightforward rewards. This card has a annual fees of $95 and cariable APR of 19.99% – 29.74%.
The Platinum Card By American Express
The Platinum Card by American express is ideal for those people who are looking for a card with benefits in the category of travel as well as shopping. This card is suitable for luxury travellers who can use its credit benefits.
Right after signing up for this credit card, you can earn upto 175,000 in membership rewards if you spend $8000 in the first six months. Furthermore, you can earn upto 5X points on flight booking and hotels when booked via Amex travel. For other purchase, you will get 1X Points.
In terms of normal benefits, the Platinum Card of American Express offers lots of credit from $100-$200 for various companies such as uber eats, walmart and more.
Here is a short list of all benefits that comes with the Platinum card of American Express –
Sign Up Bonus + Rewards
- Up to 175,000 Membership Rewards Points after spending $8,000 in first 6 months
- 5X points on flights booked directly with airlines or through Amex Travel (up to $500,000/year)
- 5X points on prepaid hotels booked through AmexTravel.com
- 1X points on other purchases
Annual Credits & Statement Benefits
- $200 Hotel Credit for Fine Hotels + Resorts or The Hotel Collection bookings
- $240 Digital Entertainment Credit ($20/month) for eligible streaming services
- $200 Airline Fee Credit for incidental fees with selected airline
- $200 Uber Cash ($15/month + $20 bonus in December)
- $189 CLEAR Plus Credit
- $155 Walmart+ Credit ($12.95/month)
- $100 Saks Fifth Avenue Credit ($50 Jan-June, $50 July-Dec)
- Global Entry ($120) or TSA PreCheck ($85) credit
Travel Benefits:
- Global Lounge Collection access (1,400+ lounges across 650 cities)
- Fine Hotels + Resorts benefits ($550 average value):
- Room upgrades when available
- Daily breakfast for two
- $100 experience credit
- Guaranteed late checkout
- Marriott Bonvoy Gold Elite Status
- Hilton Honors Gold Status
- Car rental privileges with Avis, Hertz, National
- No foreign transaction fees
- Premium Global Assist Hotline
- Trip Delay Insurance (6+ hours, up to $500)
- Trip Cancellation/Interruption Insurance (up to $10,000 per trip)
- Car Rental Loss and Damage Insurance
- Cell Phone Protection (up to $800 per claim, max 2 claims/year)
Shopping & Entertainment Benefits:
- Purchase Protection (90 days, up to $10,000 per item)
- Extended Warranty Protection
- Return Protection (90 days, up to $300 per item, $1,000 per year)
- Global Dining Access by Resy
- Premium Events Collection access
- Exclusive access to entertainment events
- Amex Offers
The Platinum Card of American Express has annual fees of $695 which is much higher compared to other travel credit cards in the USA. It has a variable APR of 20.49% – 28.49% per annum.
This card is suitable for frequent travellers who can spend the credit and rewards of this card. Otherwise, the high annual fees of this card will not justify for normal travellers.
American Express Gold Card
The Gold Card from American Express is for people who often likes to eat outside, do regular grocerry shopping, order food delivery, and often travels outside. This card is ideal for people who need a credit card that balance out travel, dining, and shopping rewards.
On signing up for the Gold card, you can get up to 100,000 rewards points given that you spend at least $6000 in the first six months. Apart from that you will get 4X rewards on restaurants worldwide as well as supermarkets in the United States. When you book flights directly from airlines or via Amex travels, you will get 3X rewards. On hotel booking via Amex travel the rewards are 2X. Other eligible purchase gets 1X rewards.
Here is a list of full benefits for the American Express Gold Card –
Welcome Bonus & Rewards
- Up to 100,000 Membership Rewards Points after spending $6,000 in first 6 months
- 4X points at restaurants worldwide (up to $50,000/year)
- 4X points at U.S. supermarkets (up to $25,000/year)
- 3X points on flights booked directly with airlines or AmexTravel.com
- 2X points on prepaid hotels through AmexTravel.com
- 1X points on other eligible purchases
Annual Credits & Statement Benefits
- $120 Uber Cash ($10/month)
- NEW $84 Dunkin’ Credit ($7/month)
- NEW $100 Resy Credit ($50 semi-annually)
- $120 Dining Credit ($10/month) for:
- Grubhub
- The Cheesecake Factory
- Goldbelly
- Wine.com
- Five Guys
Travel Benefits
- The Hotel Collection benefits:
- $100 credit for eligible charges
- Minimum 2-night stay required
- No foreign transaction fees
- Global Assist Hotline
- Baggage Insurance Plan (up to $1,250 for carry-on, $500 for checked)
- Car Rental Loss and Damage Insurance
- Pay with Points for travel
Shopping & Entertainment Benefits:
- Purchase Protection (90 days, up to $10,000 per item)
- Extended Warranty Protection
- Access to Events with Amex
- Amex Offers
- Choice of Gold or Rose Gold card design
Additional Features:
- Pay Over Time option
- Plan It feature for large purchases
The Gold card of American Express has a variable APR of 20.49% to 28.49% and annual fees of $325.
Citi Premier Card
The Citi Premier Card is another great credit card for travelers. This card is specifically great for people who book tickets on cititravel and need rewards for gas and EV recharge.
This credit card gives you 75,000 points in bonus once you spend $4000 or more in the first three months. The biggest advantage however, is when you book tickets and hotels via cititravel. In that case you get 10X Rewards. Moreover, you get 3X rewards on air travel, hotel purchase,supermarket, gas stations, and EV charging stations.
Here is a list of full benefits of the Citi Premier Card –
Welcome Bonus & Rewards
- 75,000 bonus points after spending $4,000 in first 3 months ($750 value)
- 10X points on hotels, car rentals, and attractions through CitiTravel.com
- 3X points on:
- Air travel and other hotel purchases
- Restaurants, cafes, bars, lounges
- Supermarkets
- Gas stations
- NEW: EV charging stations
- 1X points on all other purchases
Travel Benefits:
- $100 Annual Hotel Benefit (for stays $500+)
- No foreign transaction fees
- Travel Protection Benefits:
- Trip Delay Protection
- Common Carrier Trip Cancellation/Interruption Protection
- Lost or Damaged Luggage Protection
- MasterRental Coverage (car rental insurance)
- Points transfer to airline partners including:
- JetBlue TrueBlue
- Virgin Atlantic Flying Club
- Singapore Airlines KrisFlyer
Points Redemption Options
- Gift cards
- Travel rewards
- Flights, hotels, cruises
- Shop with points at:
- Amazon.com
- BestBuy.com
- Points never expire
- No limit on points earning
Additional Features
- Easy online redemption through thankyou.com
- Points transfer minimum of only 1,000 points
- No fee for points transfers
The Citi Premier Credit Card has an annual fee of $95 and a a variable APR of 20.49%—28.49%. This card is good for most travelers who are looking for a credit card for traveling, shopping, and dining.
Bank of America Travel Rewards Credit Card
The Bank of America Travel Reward credit card is the only dedicated travel card on this list that does not have annual fees. Furthermore, it has a 0% Initial APR period.
If you are someone who wants a travel credit card with a straightforward reward system, zero foreign transaction fees, and zero annual fees, then the Bank of America Travel Reward Credit card is perfect for you.
You will get 25,000 bonus online points if you spend $1000 in the first three months. And you will get unlimited 1.5 points for each $1 spent. And if you are a Preferred Rewards members of Bank of America, you can earn additional bonus points.
Here is the full list of benefits associated with this travel card –
Welcome Bonus & Rewards:
- 25,000 online bonus points ($250 value) after spending $1,000 in first 90 days
- Unlimited 1.5 points per $1 on all purchases
- Preferred Rewards members earn bonus points:
- Gold Tier: 25% more (1.87 points per $1)
- Platinum Tier: 50% more (2.25 points per $1)
- Platinum Honors Tier: 75% more (2.62 points per $1)
- No points expiration as long as account is open
Redemption Options:
- Statement credits for:
- Flights
- Hotel stays
- Vacation rentals
- Baggage fees
- Restaurants (including takeout)
- Vacation packages
- Cruises
- Rental cars
Travel Benefits:
- No foreign transaction fees
- No blackout dates
- No travel restrictions
Signup Offers:
- 0% Intro APR for 15 billing cycles on:
- Purchases
- Balance transfers made within the first 60 days
- 3% intro balance transfer fee (first 60 days)
- 4% balance transfer fee after intro period
The Bank of America Travel Rewards Credit Card has a variable 18.74% – 28.74% APR after the intro offer. And as mentioned before, there is no annual fees associated with this card. So if you need a simple travel card with a straightforward reward system, then this card is the best option for you.
Best Cash Back Credit Cards 2025
Now, let’s talk about the best Cash Back Credit Cards of 2025 that will help you save more money on various purchases on your credit card and give maximum benefits. Here are the best Cash-back Credit Cards of 2025 –
Citi Double Cash Card
The first credit card in our list of best cash-back credit cards of 2025 is the Citi Double Cash Card. This credit card does not charge any annual fees and has great cash back benefits.
This credit card is ideal for people who need simple, no-nonsense cash-back benefits along with a 0% APR balance transfer period(for 18 Months). It is also good for those US citizens who regularly make purchases via Citi Travel Portal.
An important note about this card is that you need to make minimum due on time in order to get the cashback.
Here is the list of benefits you will get with the Citi Double Cash Card in 2025 –
Welcome Bonus & Rewards:
- $200 cash back after spending $1,500 in first 6 months
- 2% cash back on all purchases:
- 1% when you buy
- 1% when you pay
- Special Travel Offer: 5% total cash back on Citi Travel℠ portal bookings through 12/31/2025:
- Hotels
- Car rentals
- Attractions
- No category restrictions
- No caps on cash-back earnings
- Cash back earned as ThankYou Points
Redemption Options:
- Statement credit
- Direct deposit
- Check
- Gift cards
- Travel rewards
- Shop with Points at Amazon.com
- There is no minimum redemption requirement for statement credit/direct deposit
Introductory Offers:
- 0% Intro APR for 18 months on balance transfers
- 3% intro balance transfer fee (first 4 months, $5 minimum)
- 5% balance transfer fee after intro period ($5 minimum)
Additional Benefits:
- Citi Entertainment access:
- Presale tickets
- Exclusive experiences
- Special access to events
- Dining experiences
- No annual fee
The Citi Double Cash Card has an APR of 18.49%—28.49%. Although there are no annual fees for the card, you must pay 3% on foreign transactions, and there is no sign-up bonus.
Wells Fargo Active Cash Credit Card
If you are looking for VISA related benefits with a good intro APR offer then the Wells Fargo’s Active Cash credit card is just the right option for you.
This credit card does not have any annual fees, and, unlike the Citi Double cash card, has a signup bonus reward as well. It is good for people who need a simple reward system with good APR.
If you spend more than $500 in the first three months using this credit card, you will get a $200 bonus. Apart from that, you will get unlimited 2% cash back on all purchases with this credit card.
Here is the Full list of all benefits you will get with the Wells Fargo Active Cash Credit Card in 2025 –
Welcome Bonus & Rewards:
- $200 cash rewards bonus after spending $500 in first 3 months
- Unlimited 2% cash rewards on all purchases
- No categories to track
- No quarterly activations needed
Redemption Options:
- Statement credit for purchases (as low as $1)
- Credit to qualifying Wells Fargo accounts:
- Credit cards
- Checking accounts
- Mortgage accounts
- ATM withdrawals ($20 increments)
- Gift cards
- Pay with Rewards through PayPal
- Multiple redemption channels (desktop, mobile, phone, ATM, in-branch)
Introductory Offer:
- 0% intro APR for 12 months on:
- Purchases
- Qualifying balance transfers (within 120 days)
- Variable APR: 19.49%, 24.49%, or 29.49% after intro period
Protection Benefits:
- Cell Phone Protection (up to $600, $25 deductible)
- Auto Rental Collision Damage Waiver
- Zero Liability Protection
- Travel Emergency Assistance Services
- Roadside Dispatch
- Emergency Cash Disbursement
- Emergency Card Replacement
Additional Benefits:
- Visa Signature Concierge service
- Visa Signature Luxury Hotel Collection Access
- My Wells Fargo Deals (personalized merchant offers)
- Credit Close-Up:
- Monthly FICO Score updates
- Credit monitoring
- Personalized insights
- No annual fee
This credit card is good for existing Wells Fargo members as well as people looking for a no-nonsense cash back credit card for day to day use.
Chase Freedom Unlimited
The Chase Freedom Unlimited Credit Card provides a well-balanced reward in the travel, shopping, and cash-back categories. If you often order food delivery online, need purchase and travel protection, or need stable reward on all purchase, then this card will be a good choice for you.
In the initial sign-up bonus, you can get a $250 bonus after spending at least $500 in the first three months. If we talk about cash back, there are variable cash back for different categories. The good NEWS is that it covers most common categories.
You will get 5% Cash Back for travel purchases via Chase Travel, 3% On Dining and Drugstores, and 1.5% on all other platforms.
Here is the list of all the benefits this credit card will give you in 2025 –
Welcome Bonus & Rewards:
- $250 bonus after spending $500 in first 3 months
- Tiered cash back structure:
- 5% on travel purchased through Chase Travel℠
- 3% on dining (including takeout and delivery)
- 3% at drugstores
- 1.5% on all other purchases
- No minimum redemption requirement
- No reward expiration while the account is open
Redemption Options:
- Cashback (statement credit or direct deposit)
- Amazon.com purchases
- Gift cards
- Travel through Chase Travel
- No minimum redemption amount
Introductory Offers:
- 0% intro APR for 15 months on:
- Purchases
- Balance transfers
- Variable APR: 19.99% – 28.74% after intro period
Protection Benefits:
- Purchase Protection (120 days, up to $500 per item)
- Extended Warranty Protection
- Trip Cancellation/Interruption Insurance (up to $1,500 per person)
- Auto Rental Coverage (secondary in the U.S.)
- Travel and Emergency Assistance
- Zero Liability Protection
- 24/7 Fraud Monitoring
Additional Benefits:
- DoorDash Benefits:
- 3 months free DashPass membership
- 50% off membership for the next 9 months
- Up to $10 off quarterly on non-restaurant orders
- 5% cash back on Lyft rides through March 31, 2025
- Credit Journey access:
- Free credit score monitoring
- Credit improvement tools
- Identity monitoring
- Chase Pay Over Time feature
- Digital wallet compatibility
- No annual fee
Discover it Cash Back Credit Card
The Discover It Cash Back Credit Card is the most suitable cash-back credit card for students and young individuals. This card will suit those people who can spend time in tracking and activating the quarterly bonus manually. This is both good and bad thing about this cash back credit card.
However, the Discover It cash-back credit card gives some handsome cash-back offers and rewards that make this manual work worth it.
As a starting bonus, Discover It matches all your cashback rewards for a year. Furthermore, you can get 5% cash back in rotating quarterly categories for Grocery Stores, Restaurants, Gas stations, and other places. However, you will have to activate the cashback manually. For every dollar you earn, you will have one dollar to redeem. There is no expiration date for the cash-back rewards.
Here is a list of all the benefits you will get with this credit card in 2025 –
Welcome Bonus & Rewards:
- Cashback Match: Discover automatically matches all cash back earned in the first year
- 5% cash back in rotating quarterly categories (activation required):
- Grocery stores
- Restaurants
- Gas stations
- Other categories each quarter
- $1 earned = $1 to redeem
- No expiration on cash back rewards
Security Features:
- $0 Fraud Liability Guarantee
- Online Privacy Protection:
- Removes personal info from select people-search websites
- Free activation through the Discover app
- Freeze it feature:
- Instantly freeze/unfreeze account
- Prevents new purchases, cash advances, and balance transfers
- Free Social Security Number Alerts:
- Dark Web monitoring
- Alerts if SSN found on Dark Web sites
Card Customization:
- 25 different card designs to choose from
- Personalized look options
Introductory Offers:
- 0% Intro APR for 15 months on:
- Purchases
- Balance transfers
- 3% Intro Balance Transfer Fee (until February 10, 2025)
- Variable APR: 18.74% – 27.74% after intro period
- Up to 5% balance transfer fee after intro period
The Discover It cash-back card holder enjoys 0% APR for purchases and balance transfers for 15 months. After this intro period, the card has an APR of 18.74%—27.74% and up to 5% balance transfer fees.
The Discover It cash-back credit card does not have any annual fees.
Chase Freedom Flex Credit Card
Just like the Discover It cash-back credit card, the Chase Freedom Flex also gives rewards on a quarterly basis. This card is well known for its earning potential via fixed and rotating categories.
The Chase Freedom Flex card will be good for those US residents who can afford to activate and track the rewards manually. It is also good for those people who send enough money in drug stores or other shopping stores regularly.
Talking about its initial bonus, the Chase Freedom Flex gives you a $200 bonus if you spend $500 in the first three months. This card also has a reward system based on a tier system. It gives 5%, 3%, or 1% cashback on supported categories.
All the benefits you can get with the Chase Freedom Flex credit card in 2025 are given in the following list –
Welcome Bonus & Rewards:
- $200 bonus after spending $500 in first 3 months
- Tiered rewards structure:
- 5% cash back on:
- Rotating quarterly categories (up to $1,500 in combined purchases)
- Travel purchased through Chase Travel℠
- 3% cash back on:
- Dining (including takeout)
- Drugstore purchases
- 1% on all other purchases
- 5% cash back on:
2024 Quarterly Categories:
- Q1 (Jan-Mar): Grocery Stores (excluding Walmart/Target), Fitness Clubs, Self-Care & Spa Services
- Q2 (Apr-Jun): Amazon.com, Hotels, Restaurants
- Q3 (Jul-Sep): Gas Stations, EV Charging, Select Live Entertainment, Movie Theaters
- Q4 (Oct-Dec): McDonald’s, PayPal, Pet Shops/Vet Services, Select Charities
Protection Benefits:
- Cell Phone Protection (up to $800 per claim, max 2 claims/year)
- Purchase Protection (120 days, up to $500 per item)
- Extended Warranty Protection
- Trip Cancellation/Interruption Insurance (up to $1,500 per person)
- Auto Rental Coverage (secondary in the U.S.)
- Travel and Emergency Assistance
- Zero Liability Protection
- 24/7 Fraud Monitoring
Introductory Offers:
- 0% intro APR for 15 months on:
- Purchases
- Balance transfers
- Variable APR: 19.99% – 28.74% after intro period
Additional Benefits:
- DoorDash Benefits:
- 3 months free DashPass membership
- 50% off membership for the next 9 months
- Up to $10 off quarterly on non-restaurant orders
- 5% cash back on Lyft rides through March 31, 2025
- Chase Credit Journey access
- Chase Pay Over Time feature
- No minimum redemption requirement
- No reward expiration while the account is open
- No annual fee
As you can see in the benefits, this card is really good for people who can spend time tracking and manually activating the rewards. If you often use Lyft, then this card will be beneficial for you as well.
Just like most cash-back cards, you will get a 0% APR for the first 15 months with this card as well. After that, the APR will be 19.99% – 28.74.
Capital One Quicksilver Cash Rewards Credit Card
For US citizens who often travel abroad and looking for a decent cash-back credit card, the Quicksilver Cash Reward credit card from Capital One is the best choice. Its zero foreign transactional fees and straightforward reward system make it a perfect credit card for travelers.
Although this credit card does not have specific categories with higher rewards, it has a simple reward system with no cap.
This card has an unlimited 1.5% cash back on all purchases. Furthermore, there is no expiry date or minimum redemption requirements for this credit card.
Here is the list of all the benefits you can get with the Quicksilver Credit card in 2025 –
Welcome Bonus & Rewards
- $200 cash bonus after spending $500 in first 3 months
- Unlimited 1.5% cash back on all purchases
- No expiration on rewards for the life of the account
- No minimum redemption requirement
Redemption Options
- Statement credit
- Check
- Cover recent purchases directly
- Gift cards
- PayPal purchases
- Amazon.com purchases
- Capital One Travel bookings
Travel Benefits:
- No foreign transaction fees
- Complimentary concierge service (24/7, 365 days)
- Capital One Travel perks:
- Price drop protection (up to $50 credit)
- Price match guarantee
- Flight price freezing option
- Price alerts
- Travel accident insurance
- 24-hour travel assistance services
- Emergency card replacement
Introductory Offers:
- 0% intro APR for 15 months on:
- Purchases
- Balance transfers
- Variable APR: 19.74% – 29.74% after intro period
Shopping Benefits
- Extended warranty protection
- Capital One Shopping tool:
- Automatic coupon code application
- Price comparison
- Instant purchase notifications
- Capital One Entertainment access
- Capital One Dining benefits
- 50% off handcrafted beverages at Capital One Cafés
Protection Features
- Extended warranty coverage
- Travel accident insurance
- Emergency assistance services
- Purchase security features
This card has 0% APR for the first fifteen months, after which the APR changes to 19.74% – 29.74%.
Conclusion
Thanks for reading! I hope this list will help you find the best credit card for your financial purposes in 2025. If you have any questions, suggestions, or comments, feel free to send them in the comment section of this blog article. I will keep updating this article with fresh information about the best credit cards in 2025.