No matter what a credit card company or advertisement says, there isn’t a single “best” credit card for everyone. The best card for you depends on your spending habits, credit score, existing debt and more. But with so many options to choose from, picking the right card can be intimidating. At The Points Navigator, we have reviewed all the top cards and compiled it into categorized lists with all the most important information to help you find the best card for YOU!
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 on transit, including taxis, rideshare, parking, tolls, trains, buses, and more.
3% Cash Back at U.S. gas stations.
1% Cash Back on other purchases.
High cash back rates on groceries and streaming subscriptions.
Cash back on transit and gas expenses.
Introductory $0 annual fee for the first year.
Introductory 0% APR on purchases and balance transfers for the first 12 months.
$95 annual fee after the first year.
High cash back rates apply to $6,000 per year in purchases in specific categories, then drop to 1%.
The Blue Cash Preferred® Card from American Express delivers high cash back on everyday spending. Earn 6% on US supermarkets (up to $6,000 per year, then 1%), 6% on select US streaming subscriptions, and 3% on gas and transit. Enjoy a $0 intro annual fee the first year, then $95. While there are spending caps on the high-earning categories, this card is ideal for those who prioritize cash back on groceries, streaming, and travel-related expenses.
3X points on restaurants, supermarkets, gas stations, air travel, and hotels.
1X points on all other purchases.
Special Offer: Earn a total of 10 ThankYou Points per $1 spent on hotel, car rentals, and attractions booked on the Citi TravelSM portal through June 30, 2024.
Earn 3X points on multiple categories including dining, supermarkets, and travel.
$100 Annual Hotel Savings on a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year.
No foreign transaction fees.
Points can be transferred to participating airline loyalty programs.
$95 annual fee.
High spend required for $100 Annual Hotel Savings benefit.
Earns 1X points on categories outside of dining, supermarkets, gas stations, air travel, and hotels.
Earn 3X points on dining, supermarkets, gas, air travel, and hotels with the Citi Premier Card. Enjoy a $100 annual hotel savings benefit (requires $500+ single stay) and no foreign transaction fees. Transfer points to airline partners for added flexibility. While there’s a $95 annual fee and lower earning rates outside the top categories, the Citi Premier Card is a solid choice for frequent travelers and those who spend heavily in the bonus categories.
5% in Disney Rewards Dollars on purchases at DisneyPlus.com, Hulu.com, or ESPNPlus.com.
2% in Disney Rewards Dollars at gas stations, grocery stores, restaurants, and most Disney U.S. locations.
1% in Disney Rewards Dollars on all other purchases.
Special perks include 10% off select merchandise at Disney resorts and shop Disney.com, plus promotional APR offers on Disney vacation packages.
Earn 5% in Disney Rewards Dollars on digital Disney platforms, 2% on gas, dining, and 10% off Disney parks and shopDisney.
com.
Enjoy 0% APR on Disney vacation packages for 6 months.
Get exclusive Disney perks: special photo ops, tour discounts, and a year of DashPass.
Benefit from purchase protection: covers new purchases against damage or theft for 120 days, extends warranties, and reimburses for delayed baggage essentials.
Post-promo, the APR rises, affecting Disney vacation package financing.
High rewards mainly for Disney digital buys; other purchases earn 1%.
Some discounts and perks face restrictions and exclusions.
Unlock the magic of Disney with the Disney Premier Visa Card! New cardholders earn a generous $300 statement credit, and the card’s $49 annual fee offers access to a world of Disney savings and rewards. Earn up to 5% in Disney Rewards Dollars on select Disney digital purchases and enjoy 2% back at gas stations, grocery stores, restaurants, and most Disney locations. Cardholders savor an exclusive 10% discount at Disney resorts and shopDisney.com, plus special financing options for Disney vacation packages. While the variable APR should be considered, the Disney Premier Visa Card delivers delightful perks and rewards, making it a magical choice for those who love all things Disney.