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Best Credit Cards of 2025

Whether you're looking for travel rewards, cash back, 0% intro APR, credit-building credit cards, or something else, take a look at the top credit cards we recommend (including cards from our partners).

Updated Sept. 2, 2025
Fact check checkmark icon Fact checked

Don't settle for a basic card. Whether you want massive cash back, discounted flights, or a break from interest charges, the right card can completely change the way you spend. We've sifted through the clutter to bring you the top credit cards of 2025 from our partners – including a few you might not expect.

Keep reading to learn more about our editors' picks for the best credit cards and find your match.

How we evaluate products

Best balance transfer credit cards

Financebuzz awards badge

2025 award winner Best for Balance Transfers

4.5
info

on Citi’s website

Intro APR
Purchases:
0%, 12 months from date of account opening
Balance Transfers:
0%, 21 months from date of account opening
Regular APR
18.24% - 28.99% (Variable)
Annual Fee
$0
Rewards Rate
No rewards
Why We Like It
  • Extra-long 0% intro APR on balance transfers for 21 months from date of account opening. Following the intro period, the APR is 18.24% - 28.99% (Variable). Balance transfers must be completed within 4 months of account opening

  • No late fees, no penalty rate, and no annual fee

  • Includes access to Citi Entertainment, which offers exclusive presales to thousands of events

on Citi’s website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details
Financebuzz awards badge

2025 award winner Best 0% Intro APR Credit Card

4.9
info

on Wells Fargo’s website

Intro APR
Purchases:
0%, 21 months from account opening
Balance Transfers:
0%, 21 months from account opening on qualifying balance transfers
Regular APR
17.24%, 23.74%, or 28.99% Variable
Annual Fee
$0
Rewards Rate
N/A
Why We Like It
  • Enjoy 21 months of introductory no interest on purchases and qualifying balance transfers from account opening. Following the intro period, the APR is 17.24%, 23.74%, or 28.99% Variable

  • Up to $600 cell phone protection against damage or theft when you pay your cell phone bill with your card (subject to a $25 deductible)

  • No annual fee

on Wells Fargo’s website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details

Excellent for an extended balance transfer period
4.4
info

on Citi’s website

Intro APR
Purchases:
0%, 12 months from date of account opening
Balance Transfers:
0%, 21 months from date of account opening
Regular APR
17.24% - 27.99% (Variable)
Annual Fee
$0
Rewards Rate
No rewards
Why We Like It
  • The Citi® Diamond Preferred® Card is a great option if you need to finance a large purchase or have existing credit card debt and would like to pay it down over time.

  • Cardholders can enjoy a 0% intro purchase APR for 12 months from date of account opening and a 0% intro APR on balance transfers for 21 months from date of account opening (balance transfers must be completed within 4 months of account opening). After that, the regular 17.24% - 27.99% (Variable) APR will apply.

  • In addition to its introductory APR, this card also has no annual fee, making it a solid option to hold onto each year.

on Citi’s website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details


Best travel credit cards

New Offer
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2025 award winner Best Overall Travel Credit Card

4.9
info

on Chase’s website

Welcome Bonus
75,000 info
Points
Rewards Rate
1X - 5X info
Points
Annual Fee
$95
Why We Like It
  • Popular travel card with perks like up to $50 in statement credits each account anniversary for hotel stays booked through Chase Travel℠ , bonus points each account anniversary equal to 10% of your total purchases made the previous year, and valuable travel protections

  • Amazing welcome offer valued at up to $1,125 when redeemed via Chase Travel℠, where points are worth up to 1.5x more

  • Solid rewards rate on travel, dining, select streaming services, and online groceries

on Chase’s website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details

Excellent for easy travel rewards redemption
4.4
info

on Bank of America’s website

Welcome Bonus
25,000 info
Points
Rewards Rate
1.5X - 3X info
Points
Annual Fee
$0
Why We Like It
  • Simple, flat-rate rewards with up to 75% Bank of America Preferred Rewards® bonus potential.

  • Lengthy intro APR offer for purchases and qualifying balance transfers, helpful for covering large purchases or paying down high-interest debt.

  • No annual or foreign transaction fee.

on Bank of America’s website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details

Financebuzz awards badge

2025 award winner Best for Simple Travel Rewards

4.7
info

on Capital One’s website

Welcome Bonus
75,000 Miles info
Rewards Rate
2X - 5X info
Miles
Annual Fee
$95
Why We Like It
  • Generous welcome offer worth up to $750 towards travel

  • Excellent reward rate on everyday purchases with no cap

  • Up to a $120 credit for Global Entry or TSA PreCheck®

on Capital One’s website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details

Financebuzz awards badge

2025 award winner Best No-Annual-Fee Travel Credit Card

4.4
info

on Wells Fargo’s website

Welcome Bonus
20,000 info
Bonus Points
Rewards Rate
1X - 3X info
Points
Annual Fee
$0
Why We Like It
  • High unlimited reward rate on common spending categories with no cap

  • Flexible reward redemption, including statement credits, gift cards, and transfers to select travel partners

  • No annual or foreign transaction fee

on Wells Fargo’s website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details


Best cash back credit cards

Excellent for high flat-rate cash back rewards
5.0
info

on Citi’s website

Welcome Bonus
$200 info
Rewards Rate
2% - 5% info
Cash back
Annual Fee
$0
Why We Like It
  • Simple unlimited cash back rewards on every purchase with no annual fee

  • Lengthy intro APR offer on balance transfers, great for tackling high-interest debt

  • Includes access to Citi Entertainment, which offers exclusive presales to thousands of events

on Citi’s website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details

Financebuzz awards badge

2025 award winner Best Overall Cash Back Credit Card

5.0
info

on Wells Fargo’s website

Welcome Bonus
$200 info
Cash rewards
Rewards Rate
2% info
Cash rewards
Annual Fee
$0
Why We Like It
  • Flat-rate unlimited cash rewards on eligible purchases

  • Intro APR offers on purchases and qualifying balance transfers to help avoid interest

  • Redemption perks for eligible Wells Fargo accounts, including loan or mortgage credits or cash via an ATM

on Wells Fargo’s website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details

Limited-Time Offer
Excellent for cash back + intro purchase and balance transfer perks
4.7
info

on Capital One’s website

Welcome Bonus
$200 Cash Bonus + $100 Capital One Travel credit info
Rewards Rate
1.5% - 5% info
Cash Back
Annual Fee
$0
Why We Like It
  • Simple flat-rate cash back rate on every purchase, every day

  • Long intro APR period to help fund your next purchase or tackle debt

  • No annual or foreign transaction fee

on Capital One’s website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details

Financebuzz awards badge

2025 award winner Best for Dining Out

4.7
info

on Chase’s website

Welcome Bonus
$200 info
Bonus
Rewards Rate
1.5% - 5% info
Cash Back
Annual Fee
$0
Why We Like It
  • Solid flat-rate rewards on most purchases, with elevated rates on select travel, drugstore, and dining purchases

  • Impressive intro APR offer on purchases and balance transfers, great for covering large purchases or paying down debt

  • Good purchase protections and coverage, all for no annual fee

on Chase’s website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details


Best business credit cards

Financebuzz awards badge

2025 award winner Best Business Credit Card for Solopreneurs

4.8
info

on Chase’s website

Welcome Bonus
Up to $750 info
Cash back
Rewards Rate
1% - 5% info
Cash back
Annual Fee
$0
Why We Like It
  • Great for earning cash back on business purchases with no annual fee

  • Intro APR offer on purchases, helpful for new or growing businesses to finance large purchases

  • Ability to earn up to $750 thanks to a unique welcome offer

on Chase’s website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details

Excellent for flat-rate cash back + no annual fee
4.8
info

on Chase’s website

Welcome Bonus
$750 info
Cash back
Rewards Rate
1.5% info
Cash back
Annual Fee
$0
Why We Like It
  • Simple, flat-rate unlimited rewards on every purchase, all without an annual fee

  • Intro APR offer on purchases, helpful for new or growing businesses to finance large purchases

  • Employee cards at no additional cost to boost earnings and simplify expense tracking

on Chase’s website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details

Excellent for high cash back rewards + low annual fee
5.0
info

on Capital One’s website

Welcome Bonus
$1,000 info
Cash Bonus
Rewards Rate
2% - 5% info
Cash Back
Annual Fee
$95 (waived first year)
Why We Like It
  • Unlimited cash back on every purchase, everywhere, with no limits or category restrictions

  • Free employee cards which also earn unlimited cash back on all purchases

  • Great for businesses looking for the stability of a traditional credit line

on Capital One’s website

Recommended Credit info
Excellent (740 - 850)
Card Details

Financebuzz awards badge

2025 award winner Best Overall Business Credit Card

5.0
info

on Capital One’s website

Welcome Bonus
150,000 info
Miles
Rewards Rate
2X - 10X info
Miles
Annual Fee
$395
Why We Like It
  • Unlimited flat-rate rewards on every purchase, plus elevated reward rate on select travel booked through Capital One's travel booking site

  • Yearly perks like 10,000 bonus miles every year and an annual $300 credit for bookings through Capital One's travel booking site

  • Premium travel perks, including up to a $120 credit for Global Entry or TSA PreCheck® and access to 1,300+ airport lounges worldwide

on Capital One’s website

Recommended Credit info
Excellent (740 - 850)
Card Details


How to choose the best credit card

Choosing the right credit card for you generally comes down to weighing six key factors. Here's how we recommend narrowing down your options.

Understand your credit score and credit history

Lenders use your credit score and credit history from the credit bureaus to help determine whether they should give you any money in the form of credit. Many lenders check your FICO score, which is a type of credit score. The FICO scoring model typically uses these score ranges:

  • Excellent: 800 to 850
  • Very good: 740 to 799
  • Good: 670 to 739
  • Fair: 580 to 669
  • Poor: 300 to 579

You usually need at least a good credit score for many of the better credit card options out there, including credit cards with elevated rewards and benefits. And with excellent credit, you have the best chance of being approved, but a certain score will never guarantee approval.

But there are also credit cards available if you have a fair or poor credit score or you're a beginner and need a credit card with no credit history. And creditors look at more than just your credit score, including your income and borrowing history.

Pay attention to types of rewards

You can typically earn credit card rewards in the form of points, miles, or cash back. Points and miles are often best if you prefer to redeem rewards for travel, such as flights or hotel stays. Cashback rewards are likely best for you if you don't need travel redemption options and prefer the opportunity to save money on everyday expenses.

Consider rewards categories and redemption

Along with types of rewards, you can earn rewards at different rates for each category. There are three different ways to define rewards categories: 

  • Flat-rate rewards: You earn the same rewards rate on every purchase.
  • Bonus categories: You earn more rewards on specific purchases. Typically, certain retailers are excluded from these categories. For example, Walmart and Target aren't often included under grocery store spending.
  • Rotating categories: You can earn more rewards on specific purchases at certain times of the year with rotating category credit cards. These categories typically rotate each quarter, sometimes each month, and often require activation.

You might prefer a card with flat-rate rewards because it's simple, and you likely wouldn't have to carry more than one card in your wallet. But you might discover that your everyday spending habits typically align with certain purchase categories, such as groceries, gas, or streaming subscriptions. If that's the case, having a card that earns more rewards in those bonus spending categories could provide more value. If your expenses tend to vary, a credit card with rotating bonus categories might make sense. 

You also want to consider rewards programs and redemptions. Chase Ultimate Rewards points differ from Citi ThankYou Points, for instance, in terms of redemption rates and how you can use your rewards. The portal you use to redeem your points, and your options for redemption, play a significant role in the value your card provides.

Learn more: How To Calculate the Value of Your Credit Card Points

Compare annual fees

Some credit card accounts have annual fees, while others don't. Cards with annual fees tend to have more benefits, but you have to consider the annual cost against the value of the benefits to see if it's worth it for you.

Keep in mind that both credit cards with no annual fee and cards with a fee could be worth it, depending on your situation.

Research interest and other fees

We don't recommend using credit cards if you plan to carry a balance that will collect interest or making late payments and having to pay fees. But sometimes things happen, and it's important to be aware of a credit card's interest rate and other fees, like late fees.

And if you're looking for a low-interest credit card, it could make sense to find a card with a 0% intro APR on purchases and/or balance transfers. This could help you avoid interest charges if you have an upcoming large purchase or want to pay down an existing balance.

If you're planning to travel abroad, consider credit cards with no foreign transaction fees

Editor's note
Note that in some cases, you might choose a credit card depending on the payment network, such as Visa, Mastercard, Discover, or American Express. For example, Visa and Mastercard credit cards are typically accepted worldwide, but Amex cards aren't as globally accepted.

Note welcome offers

A welcome offer or welcome bonus is typically an offer for new card members that's available on rewards credit cards. These offers can vary, but they often follow the format of giving new cardholders a substantial amount of rewards for spending a certain amount of money on the applicable card within a few or more months of signing up.

For example, the Chase Sapphire Preferred® Card provides this sign-up bonus: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Credit card offers can provide loads of value and should be considered if you're comparing multiple credit cards. If two credit cards generally offer the same benefits, the one with the higher welcome bonus might be the better choice. But you shouldn't use a welcome offer as your only determining factor because you want to think about which card will provide the most benefits long-term, not just right now. It's also important to note spending requirements for welcome offers. Sometimes, these will feel reasonable for your current spending habits; other times, they might cause you to stretch your budget in ways you can't afford.

4 types of credit cards

Credit card companies provide many different types of credit cards to help people meet their specific financial goals. For example, you might want to earn rewards on everyday purchases, so you could be interested in comparing the best rewards credit cards to find the right card.

But do you want to earn bonus rewards in the form of cash back, points, or miles? And are you interested in earning a welcome bonus after spending a certain amount on your card within a few months of account opening? Or can you float an annual fee?

It can get slightly overwhelming trying to narrow down the type of credit card that might be right for you. To make it simple, we've separated the different types of cards into five primary categories and who they might be best for:

1. Balance transfer credit cards

Balance transfer credit cards often provide a 0% intro APR offer on balance transfers for a certain amount of time, usually between 12 and 18 months. This type of offer gives you an opportunity to move debt from another credit product onto your new credit card and not have to pay interest on the balance for the specified amount of time.

Note that you typically have to pay a balance transfer fee to do a balance transfer, regardless of whether you have an introductory period with a 0% APR.

You should choose a balance transfer credit card with the longest 0% APR if you need some time to pay off debt without worrying about interest charges for a while.

2. Travel credit cards

Travel credit cards focus on earning travel rewards in the form of points or miles and providing travel-related benefits. You can typically redeem your points or miles toward many types of common travel expenses, including airfare, flight upgrades, hotel stays, and rental cars. 

Travel rewards can typically be redeemed when you book travel through the card issuer or when you transfer points to the issuer's travel partners. You can typically also redeem your points or miles for statement credits. 

Travel benefits vary by card, but could include:

  • Airport lounge access like access Priority Pass lounges
  • Travel credit, such as a hotel credit that you can use through the card's travel platform
  • Elite status with a loyalty program such as Hilton Honors or Marriott Bonvoy

Some travel credit cards also include travel perks like statement credits to help cover TSA PreCheck or Global Entry application fees.

You should choose a travel credit card if you want to earn rewards that you can redeem toward travel and you want benefits that can enhance your travel experiences. You should also consider the card's redemption options and travel partners before you settle on the right one for you. 

3. Cash back credit cards

Cash back credit cards are a type of rewards card that earns cash back rather than points or miles. Cashback redemptions vary by card but could include:

  • Statement credits
  • Deposits into a linked bank account
  • Mailed checks
  • Gift cards

You should choose a cash back credit card if you prefer earning cash back over points or miles. This typically means you're not as interested in redeeming rewards for travel. 

4. Business credit cards

Business credit cards are for small business owners with business expenses. There's not much difference between personal credit cards and business credit cards, but you might find specific business-related benefits and rewards on a business card.

Business credit cards also typically have little impact on your personal credit score, even though you often need a decent credit score to qualify for many business cards. Additionally, business credit cards can help you separate personal and business expenses for tax purposes.

You should choose a business credit card if you're a small business owner who wants to separate personal and business expenses while benefiting from specific business-related card perks.

FAQs

Does opening a credit card hurt my credit?

Opening a credit card could negatively impact your credit score in two ways:

  1. Lenders check your credit reports with a hard inquiry that can cause a small drop in your credit score.
  2. A new credit card lowers the average age of your credit accounts and potentially your credit score as well.

Hard inquiries stay on your credit report for two years, but they typically only affect your credit score for one year.

Does closing a credit card hurt your credit?

Closing a credit card could hurt your credit. This is because it lowers the amount of credit you have available, which increases your debt-to-income ratio. In general, it's best to keep accounts open unless there is a compelling reason to close them. 

For example, you might close a card that's charging excessive fees. 

How often should you use a credit card to build credit?

Credit card issuers and other lenders typically report your credit usage on a monthly basis, so it makes sense to use your credit card each month. This will help build your credit score and keep your credit account active as long as you're making full and on-time payments.

Bottom line

The best credit card for you depends on your spending habits and preferences, credit profile, and financial goals. There are many excellent options for any type of credit card you might be looking for, whether you've got your eye on a travel credit card, a cash back or other rewards card, a balance transfer card, or something else. 

As you're searching, consider multiple issuers, look into credit requirements, research benefits and perks, think about how a new card would fit into your current wallet, and make sure you understand the fee schedules and interest rates for any card you're interested in. And when possible, check to see if you can prequalify for a card before you officially apply.

Extra Long Intro APR on Purchases & Qualifying Balance Transfers
4.9
info

Wells Fargo Reflect® Card

Current Offer

Benefit from a long introductory APR period on purchases and qualifying balance transfers

Annual Fee

$0

Benefits and Drawbacks
Card Details