Most Used Credit Cards in the USA for Women

Whether you’re dealing with household spending, traveling extensively, or merely seeking cashback on everyday spending, the appropriate card can have an impact. Selecting the ideal credit card is crucial for women who wish to maximize rewards, simplify spending, and increase financial security.  Women tend to value benefits such as increased grocery and dining rewards, travel rewards, shopping cashback, and flexible payment terms. 

Here are the 10 most popular credit cards in the USA for women, specifically chosen by spending behavior, lifestyle requirements, and financial benefits. From high-end travel rewards to daily cashback, each card has distinctive benefits suited to various financial objectives. Expert advice also assists women in maximizing their spending habits so that they receive maximum benefits from their cards. Whether you are a business traveler, a working adult, or a mother who manages a family, this list offers the top credit card suggestions that suit your money lifestyle. 

Summary Table (TLDR)

Top 10 Credit Cards in the USA for Women [2025]

Best Credit Cards in the USA for Women for [March 2025]

1. American Express® Gold Card

This card is best for women who eat out a lot or shop at home frequently. It earns 4X points on dining and U.S. supermarkets. It’s best for controlling in-home grocery budgets while reaping special dining rewards and travel benefits.

Travel and Dining Rewards

Issuer	American Express
Payment Gateway	AMEX
Credit Score	Good-Excellent
Intro APR	N/A
Regular APR	21.24%–29.24%
Sign-up Bonus	60,000 Membership Rewards points after $4,000 spent in 6 months
Best For	Food Enthusiasts Frequent Travelers

The American Express® Gold Card, issued by American Express, provides generous rewards on everyday purchases, including dining and travel. Its best feature is the Membership Rewards program, offering valuable points for various expenses.

The card has an annual fee of $325 plus applicable taxes. Unique features include no pre-set spending limit and access to the Gold Collection rewards. The required credit score is 700+. The referral program offers bonus Membership Rewards points.

Key Features:

• Dining Rewards
• Travel Rewards
• No Foreign Transaction Fee

Reward Rate:

• 4x points on dining at restaurants
• 3x points on flights booked directly with airlines

Other Information:

• Cash advance fee of 5% or $10

Pros & Cons of American Express® Gold Card

Expert Advice:

To maximize its value, apply this card to groceries and restaurant spending, use its travel benefits for cheaper flights and hotel nights, and redeem points for travel with Amex partners.

2. Capital One SavorOne Cash Rewards Credit Card

The card is ideal for diners, entertainment enthusiasts, and streaming enthusiasts. It provides unlimited 3% cashback for these categories, making it perfect for working professionals, socialites, and families that frequently spend money on dining and entertainment.

Cashback

Issuer	Capital One
Payment Gateway	Mastercard
Credit Score	Good-Excellent
Intro APR	0% for 12 months
Regular APR	19.24%-29.24% Variable
Sign In Bonus	$300 after spending $3,000 in the first 3 months
Balance Transfer	19.24%-29.24% Variable
Best For	Food Enthusiasts, Professionals

The Capital One SavorOne Cash Rewards Credit Card is designed for foodies and entertainment lovers, offering unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores). Issued by Capital One, it also features 5% cash back on hotels and rental cars booked through Capital One Travel.

With no annual fee, the SavorOne card provides premium cashback rewards without extra costs. A credit score of 700+ is generally required. The card features an introductory 0% APR for 15 months, no foreign transaction fees, and a referral program that rewards users with cash bonuses for inviting friends. Other benefits include travel accident insurance and fraud protection.

Key Features:

• High rewards on dining & entertainment
• No Annual Fee
• Cash advance fee 5% or $10, whichever is greater

Reward Rate:

• 3% cash back on dining, entertainment, and streaming; 1% on all other purchases

Other Information:

• No foreign transaction fees

Pros & Cons of Capital One SavorOne Cash Rewards Credit Card

Expert Advice:

To enjoy the highest cashback, use this card to dine at restaurants, access subscription streaming services, and make entertainment payments. With no annual fee, it’s an excellent long-term option for frequent spending without extra charges.

3. Chase Sapphire Preferred® Card 

A travel essential for women, it offers bonus points on dining and travel and trip protections. With its flexible redemption options, it’s perfect for busy travelers who wish to save on flights and hotel stays.

Credit Building

Issuer		Chase Bank
Payment Gateway		Visa
Credit Score		Good-Excellent
Intro APR		N/A
Regular APR		21.24%–28.24%
Sign In Bonus		60,000 points after $4,000 spent in 3 months
Balance Transfer		N/A
Best For		*Frequent Travellers *Food Enthusiasts

The Chase Sapphire Preferred® Card is a great option for travel enthusiasts, and it is issued by Chase. This card offers various travel rewards, dining reward points, and flexible redemption options, which allow users to maximize their travel benefits while managing expenses efficiently.

The card has an annual fee of $95 and provides 2X points on travel and dining purchases. Credit limits vary, and applicants need a good credit score to qualify. In many cases, it may also allow beginners to have a credit card. This card also includes a referral program and travel insurance.

Key Features:

• Travel Rewards
• Dining Benefits
• Transferable points to airlines
• Offers 60,000 Bonus Points
• No Foreign Transaction Fee

Reward Rate:

• 5x points on travel via Chase Ultimate Rewards 
• 3x points on dining, streaming, and online grocery

Other Information:

• Charges $95 Annual Fee
• Charges 5% or $10 Cash Advance Fee

Pros & Cons of Chase Sapphire Preferred® Card 

Expert Advice:

Book travel with Chase Ultimate Rewards® for 25% more value. Combine it with a Chase Freedom card to transfer points and maximize rewards. Always pay full price to prevent interest on high travel costs.

4. Wells Fargo Active Cash® Card

Women who want an easy, high-reward credit card will adore this 2% unlimited cashback on all purchases. It’s perfect for offsetting everyday spending such as shopping, gas, and bills without having to worry about spending categories.

Cashback

Issuer	Wells Fargo
Payment Gateway	Visa
Credit Score	Good- Excellent
Intro APR	0% Intro APR for 15 months
Regular APR	19.24% to 29.24% Variable APR
Sign In Bonus	$200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.
Balance Transfer	19.24% to 29.24% Variable APR
Best For	Individuals Seeking Cash Back

The Wells Fargo Active Cash® Card is a top-tier cashback credit card offering an unlimited 2% cash reward on every purchase. Issued by Wells Fargo, it provides straightforward rewards with no categories to track, making it an excellent everyday spending card.

It has no annual fee and a generous welcome bonus. Requires a good to excellent credit score. The card offers a 0% intro APR for 15 months, cell phone protection, and Visa Signature benefits, making it a well-rounded option.

Key Features:

• Simple cash-back rewards
• No annual fee

Reward Rate:

• 2% cash back on all purchases

Other Information:

• Either $10 or 5% of the amount of each cash advance, whichever is greater

Pros & Cons of Wells Fargo Active Cash® Card

Expert Advice:

Make it your go-to card for day-to-day spending to earn flat-rate cashback consistently. With no category limits, it is ideal for big-ticket purchases or ongoing expenses like childcare and subscriptions.

5. Citi® Double Cash Card

This card is excellent for women who prefer consistent rewards without tracking categories. It offers 1% cashback on purchases and an extra 1% when paying them off, encouraging responsible spending.

Credit Building

Issuer	CitiBank
Payment Gateway	Mastercard
Credit Score	Good-Excellent
Intro APR	0% for 18 months
Regular APR	19.24%-29.24%
Sign In Bonus	N/A
Balance Transfer	19.24%-29.24%
Best For	Everyday users, Budget-conscious users, Credit Builders, Online Shoppers

The Citi Double Cash® Card, which is issued by Citi, provides an easy and rewarding cashback program. Its standout feature is the ability to earn 2% cashback (1% on purchases and an additional 1% when payments are made). With no category restrictions, this card is a versatile option for everyday spending.

The card has no annual fee. Its unique feature is the ability to earn cashback twice. The credit limit depends on creditworthiness. A good credit score (670+) is required. No referral program, but it offers balance transfer options and fraud protection.

Key Features:

• Best for Flat-Rate Cashback
• No Annual Fee is Charged
• Simple and Easy-to-Use Cashback

Reward Rate:

• 2% Unlimited cashback (1% on purchases, 1% on payments)

Other Information:

• The cash advance fee is 5% or $10 
• Charges 3% International Transaction Fee

Pros & Cons of Citi® Double Cash Card

Expert Advice:

Use this card for all non-category purchases where other cards offer lower rewards. Pay your bill in full each month to maximize the 2% cashback and maintain a strong credit score.

6. Bank of America® Premium Rewards® Credit Card

Frequent flyers enjoy travel statement credits, premium rewards, and maximum cashback on dining and travel. Women who travel frequently or book high-end accommodations can optimize benefits.

International transaction

Issuer	Bank of America
Payment Gateway	Visa
Credit Score	Excellent
Intro APR	N/A
Regular APR	20.24% – 27.24% Variable APR.
Sign In Bonus	50,000 online bonus points after making at least $3,000 in purchases in the first 90 days of account opening.
Best For	Household/ Regular Shopper

The Bank of America® Premium Rewards® Credit Card, issued by Bank of America, offers 2 points per dollar on travel and dining and 1.5 points on all other purchases. It’s perfect for frequent travelers seeking flexible rewards and travel benefits.

The card has a $95 annual fee and offers a 60,000-point bonus after $4,000 in purchases within the first 90 days. It also includes travel insurance and no foreign transaction fees.

Key Features:

• Travel Rewards
• Sign-up Bonus

Reward Rate:

• 2 points for every $1 spent on travel and dining purchases
• 1.5 points for every $1 spent on all other purchases

Other Information:

• Up to $100 in Airline Incidental Statement Credits annually

Pros & Cons of Bank of America® Premium Rewards® Credit Card

Expert Advice:

Combine it with a Bank of America checking account to earn additional rewards. To maximize benefits, use the $100 airline incidental credit for bag fees and in-flight expenses.

7. Discover It® Cash Back

It is perfect for alternating 5% cash back on important categories such as shopping, groceries, and gas. It is suitable for frugal women who wish to earn large rewards on common purchases.

Business Rewards

Issuer	Discover
Payment Gateway	Discover
Credit Score	Excellent, Good
Intro APR	0% Intro APR for 15 Months
Regular APR	18.24% – 27.24% Variable APR
Sign In Bonus	Discover will automatically match all the cash back you’ve earned at the end of your first year.
Best For	Everyday Spenders

The Discover it® Cash Back card, issued by Discover, offers 5% cash back on rotating quarterly categories and 1% on all other purchases. It’s perfect for those who want to maximize rewards in everyday spending categories.

There is no annual fee, and Discover matches all cash back earned at the end of the first year. The credit limit varies, and a fair to good credit score is required. It also includes a referral program, no foreign transaction fees, and free FICO® credit score access.

Key Features:

• No Annual Fee
• No Foreign Transaction Fee
• $0 Fraud Liability Guarantee

Reward Rate:

• 5% cash back on everyday purchases at different places you shop each quarter, like grocery stores, restaurants, gas stations, and more.
• 1% cash back on all other purchases.

Other Information:

• Get overnight delivery of your new card
• Online Privacy Protection
• Turn your account on/off with Freeze it^®

Pros & Cons of Discover It® Cash Back

Expert Advice:

To maximize the 5% cashback, turn on quarterly bonus categories. Use the card for heavy-spending months, then switch to a flat-rate cashback card for non-bonus spending.

8. Chase Freedom Unlimited®

Women who want flexibility in cashback earnings will adore its bonus categories on dining, travel, and drugstores. It’s an excellent all-around card for running monthly expenses effectively.

Credit Building

Issuer		Chase
Payment Gateway		Visa
Credit Score		Good-Excellent
Intro APR		0% for 15 months
Regular APR		20.24%–28.99%
Sign-up Bonus		$200 after $500 spent in 3 months
Balance Transfers		20.24%–28.99%
Best For		*General Consumers *Students

The Chase Freedom Unlimited® Card is designed for everyday spending. Issued by Chase, it offers unlimited cash back on all purchases and helps manage expenses efficiently. It provides flexibility in earning rewards.

The card has no annual fee and offers 1.5% cash back on all purchases. The credit limit varies, and a good credit score is required. It also includes a referral program and purchase protection.

Key Features:

• Offers Cashback Rewards
• 5% Cash on Travel Purchases
• No Annual Fee

Reward Rate:

• 1.5% unlimited cashback on all purchases
• 3% cash back on dining & drugstores

Other Information:

• Charges 5% or $10 Cash Advance Fee
• Charges 3% International Transaction fee

Pros & Cons of Chase Freedom Unlimited®

Expert Advice:

Use it for drugstore spending, dining, and travel to maximize rewards. Pair with a Chase Sapphire Card to transfer points and increase redemption value.

9. Blue Cash Preferred® Card from American Express

Families and mothers will adore this card, which offers 6% rewards on grocery purchases and streaming. It’s great for women who manage the household budget while receiving rewards.

Online Shopping and Cashback

Issuer	American Express
Payment Gateway	AMEX
Credit Score	Good/Excellent
Intro APR	0% for 12 months
Regular APR	19.24%–29.99%
Sign In Bonus	$250 statement credit after $3,000 spent in 6 months
Best For	*Families *Everyday Spenders

The Blue Cash Preferred® Card, issued by American Express, offers high cash back on groceries, select streaming subscriptions, and transit. Its best feature is the 6% cash back on U.S. supermarkets, providing significant savings on groceries.

The card has an annual fee of $95. Unique features include 6% cash back on select streaming subscriptions and a $250 statement credit after spending $3,000 in the first 6 months. The required credit score is 690+. The referral program offers bonus Membership Rewards points.

Key Features:

• There’s a $0 intro annual fee for the first year, then $95. 
• Sign-up bonus of $250 statement credit after spending $3,000 in eligible purchases on account opening within the first six months.
• Cash back comes in the form of Blue Cash Reward Dollars.

Reward Rate:

• 6% cash back on groceries (up to $6,000/year)
• 6% cash back on select streaming subscriptions

Other Information:

• Cash advance fee of 5% or $10

Pros & Cons of Blue Cash Preferred® Card from American Express

Expert Advice:

If buying groceries is a time-consuming endeavor, this card pays for itself even with its $95 annual fee. Use it for subscription services to reap the greatest savings on entertainment.

10. Citi Diamond Preferred® Card

Women seeking to consolidate outstanding credit card debt take advantage of its 0% intro APR for 21 months on balance transfers, an excellent resource for financial security.

0% APR Offers

Issuer	Citibank
Payment Gateway	Mastercard
Credit Score	Good- Excellent
Intro APR	0% for 12 months
Regular APR	19.24%–29.24%
Sign In Bonus	N/A
Balance Transfer	19.24%–29.24%
Best For	Balance Carriers and Low-Interest Seekers

The Citi® Diamond Preferred® Card, issued by Citi, is great for balance transfers. Its best feature is a long introductory APR period. It benefits users by reducing interest costs on existing balances, making it a smart choice for debt management.

The card has no annual fee. Its unique feature is a 0% introductory APR on balance transfers. The credit limit varies. A good credit score (670+) is required. No referral program, but it offers Citi Entertainment access and fraud protection.

Key Features:

• 0% APR for 21 months on Balance Transfers
• No Annual Fee

Reward Rate:

• Long 0% intro APR on purchases & balance transfers

Other Information:

• N/A

Pros & Cons of Citi Diamond Preferred® Card

Expert Advice:

Use this card to eliminate high-interest debt without making new purchases. Pay significant amounts during the 0% APR timeframe to eliminate balance without incurring additional fees.

Comparison Table

Methodology

To compile the 10 most popular credit cards for women, we adopted a systematic selection process:

• Consumer Spending Analysis: We analyzed women’s typical spending categories, including dining, grocery shopping, travel, and entertainment. 
• Rewards & Benefits Comparison: We choose cards with generous cashback, versatile rewards, and travel benefits that offer substantial financial benefits. 
• Annual Fee vs. Value: The cards were compared using a cost-benefit analysis, ensuring they deliver more benefits than their annual fees. 
• Market Popularity and User Reviews: We researched consumer reviews and actual user experiences to determine usability and satisfaction. 
• Expert insights & financial Advice: Professional advice from experts in the industry was taken to align with wise financial choices for women. 

This choice guarantees that every card addresses various financial requirements and lifestyles, ranging from working professionals to constant travelers and families. 

Choosing the Best Credit Cards for Apple Pay & Google Pay

When choosing the best credit cards for women, some important factors need to be taken into account so they will be in harmony with both financial objectives and lifestyle.

Below are the selection criteria:

1. Spending Habits and Categories: Women’s spending habits, such as dining, grocery shopping, travel, and entertainment, should be considered when deciding which card offers the most value. Cards with higher rewards in these areas should be used first.
2. Cashback and Rewards Structures: Choose cards that reward higher cashback or points in categories of individual choice. Some cards offer rotating categories or flat-rate rewards, which are perfect for specific purposes.
3. Sign-Up Bonuses: Numerous credit cards provide large sign-up bonuses, which can be a strong motivator for new card members. Women may want to consider cards with big bonuses for spending within a particular period.
4. Annual Fees: The price of the card is an important factor. Cards with no yearly fee or low yearly fee but providing high rewards can prove to be inexpensive in the long run.
5. Travel and Lifestyle Perks: Travel perks, such as free checked luggage, priority boarding, travel insurance, and lounge access, are essential for frequent travelers. Cards with these benefits are particularly valuable for women who frequently travel.
6. Introductory APR and Balance Transfer Promotions: Cards with 0% APR on purchases or balance transfers for a specific timeframe are perfect for individuals who want to carry a balance or combine debt without being charged interest.
7. Customer Support and Service: Women’s needs are very different, so it is important to pick a card issuer that offers excellent customer service, fraud protection, and 24/7 service for peace of mind. 
8. Credit Score Requirements: The credit score requirements differ for each card. Women should pick a card that is consistent with their creditworthiness to enjoy maximum approval prospects and the best terms.

How are Credit Cards Helpful for Women? 

Credit cards can greatly assist women in their personal finances and financial independence.

Below are some of the most important ways in which credit cards are useful:

Establishing Credit History: Properly handled constant credit card usage aids in establishing a good credit history, which is crucial when applying for loans, mortgages, or automobile loans in the future. 

Financial Freedom: Credit cards provide flexibility in cash flow management, particularly for emergencies or unforeseen expenses. Women can make purchases and pay them off in installments over time, reducing immediate money pressures. 

Reward Programs: Credit cards offer reward programs with cashback, points, and rewards on purchases. These can be redeemed for travel, merchandise, or statement credits. This keeps day-to-day expenditures rewarding for women. 

Improved Security: Credit cards provide greater fraud protection than debit cards. In the event of fraudulent transactions, credit cardholders are usually protected and can easily dispute charges.

Purchase Protection: Many credit cards offer purchase protection and extended warranties on products purchased, which can make women feel safer about their purchases. This is particularly useful for expensive items such as electronics and appliances.

Advantages of Credit Cards  for Women

1. Cashback and Rewards Programs: Credit cards provide reward points or cashback on purchases, which women can use to buy gift cards, travel, or even use as statement credits, thus reducing future costs.
2. Control over Money and Flexibility: Women can shop when they need to and settle their debts over time with flexible payment terms. This control over expenditures helps them efficiently manage household budgets and personal finances.
3. Travel and Lifestyle Advantages: Most women’s credit cards have special travel benefits, such as lounge access in airports, travel insurance, and boarding priority, making them great for frequent flyers.
4. Credit Score Building and Maintenance: Occasionally, using a credit card and regularly paying the balance will build and help maintain a good credit score, which is necessary to obtain loans at attractive interest rates.
5. Increased Security and Insurance: Most credit cards offer purchase protection, extended warranties, and travel insurance, which provides extra security for women when they spend money on large items or take trips.

FAQs!

How can I determine which credit card is best for me?

You should review your spending, lifestyle requirements, and financial objectives. Select a card that rewards you on the things you spend the most on, like dining, groceries, travel, or entertainment.

Are there no-fee credit cards?

Yes, numerous credit cards, such as cashback rewards or travel cards, come with no annual fee. These cards are a good choice if you want to earn the most rewards without extra charges.

Can credit cards improve my credit score?

Yes, making on-time payments and keeping credit utilization low can improve your credit score in the long run, as can responsibly using a credit card.

What do I do if I am unable to pay my credit card bill on time?

If you can’t pay the full amount, at least pay the minimum to avoid late charges and credit score damage. You can also look at balance transfer offers to lower interest rates.

How do rewards programs work?

Rewards programs usually enable you to earn points, miles, or cashback on purchases with your credit card. These rewards can be used for travel, merchandise, or statement credits, depending on the program’s design.

Can credit cards provide travel insurance?

Yes, most high-end credit cards provide travel insurance, including trip cancellation, lost baggage, and accident insurance, when the trip is paid for with the card. However, you should always review the card’s benefits before traveling to ensure you know what is covered.