The Most Used Credit Cards in The USA?

The US supermarket is home to different credit card brands, each serving diverse consumer needs. We have discovered the most popular credit cards used in the USA just for you; browse the list and known for their great rewards and benefits:

Top 10 Most Popular Credit Cards Used in the United States of America

1. Chase Sapphire Preferred® Card
2. Capital One® Quicksilver® Cash Rewards Credit Card
3. Discover it® Cash Back
4. American Express® Gold Card
5. Citi® Double Cash Card
6. Chase Freedom Flex℠
7. Bank of America® Travel Rewards Credit Card
8. Wells Fargo Active Cash® Card
9. Amex EveryDay® Credit Card
10. Blue Cash Preferred® Card from American Express

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred card has maintained its position in 2024 due to the exceptional value of its rewards. Chase cardholders can earn substantial points for dining out, traveling, and spending on everyday items. The flexibility to use these points in Chase Ultimate Rewards or transfer them to a variety of airlines and hotels adds to the excitement. This card is perfect for those who want to maximize their spending and feel the thrill of earning rewards.

Other features of the Chase Sapphire Preferred card are focused on your security and peace of mind. These include an extended warranty and purchase protection, as well as insurance features like trip cancellation insurance and no foreign transaction fee. The security provided by these features, along with its highly rewarding points structure, has made it a trusted choice for regular travelers.

Chase Sapphire Preferred® Card Card Highlights: Features & Benefits

• Sign Up Bonus: 60,000 bonus amount after spending $4000 within the first 3 months of membership 
• Reward Rate: 5x on travel through Chase Travel, 3x on dining & grocery, $2 on all other travel purchases, 1x on other purchases
• Perks: No foreign transaction fee, primary car rental insurance 
• Purchase Protection: 
• Annual Fee: $95
• Recommended Credit:670-850
• Intro APR: N/A

Pros & Cons: What to Consider

Capital One® Quicksilver® Cash Rewards Credit Card

The Capital One® Quicksilver® Cash Rewards Credit Card is among the most used cards by anyone seeking to earn his/her cash back on every purchase. This is unlike other insurance companies that offer detailed and complicated policy packages, comprising numerous T’s and C’s; it has just one policy package. Five percent cash back for any purchase, with no concern about where or how often it is bought, since one does not have to chase point multipliers; thus, one can rack up the cash back well and without much effort.

In 2024, this particular type of card sets the value in being simple while at the same time offering important features. This credit card has no annual fee and no fees for Foreign transactions, so it is good for both local and international use. Thus, it offers a relatively easy cash-back system and other rewards, which make it one of the best for those consumers who want to make sure their consumption is clear.

Card Card Highlights: Features & Benefits

• Sign Up Bonus: $200 bonus after spending $500 within 3 months 
• Reward Rate: Earn unlimited 1.5% on all purchases every day 
• Annual Fee: $0
• Recommended Credit:
• Intro APR: Zero intro APR for the first 15 months

Pros & Cons: What to Consider

Discover it® Cash Back

The Discover it® Cash Back is one of the best cards known for its generous amount of cash back in rotating categories. Cardmembers can earn upto 5% cashback on each category, which changes each quarter, and the categories include groceries, online shopping, restaurants, and gas stations. One of the major features of this card is that it automatically matches all the transactions you have earned. This credit card adds some valuable perks for its users, such as a free FICO score, no annual fee charges, and a fraud protection facility.

Discover offers the highest cashback with industry-leading security features and unlimited cashback matches for all card members. This card comes with no annual fee features, which makes it accessible to huge consumers.

Card Card Highlights: Features & Benefits

• Sign Up Bonus: Unlimited cashback on all matches for the first year 
• Reward Rate: 5% bonus on rotating categories upto $1500 and 1% on other purchases 
• Perks: 
• Annual Fee: $0
• Recommended Credit Score:690-850
• Intro APR: 0% intro APR for the first 15 months

Pros & Cons: What to Consider

American Express® Gold Card

American Express® Gold Card is the real gold for food lovers and those who love to collect miles on travel. This card offers the highest rewards on groceries, restaurants, and flight tickets. The one who knows how to use and take the full benefits of this card using in the right category can offset the annual fee amount.

Offering high rewards on flight tickets and travel, it is the best credit card for frequent travelers. This premium card enhances your lifestyle by giving multiple benefits such as $120 Uber cash annually, $84 Dunkin credit, $120 dining credit, and $100 Resy credit. This card also comes with security features that provide you with contactless payment without touching the screen.

Card Card Highlights: Features & Benefits

• Sign-Up Bonus: Amex offers a generous sign-up reward point bonus that varies as per the ongoing offer, generally, which can be availed after a particular amount is spent using the Amex credit card.
• Reward Rate: 4x points on restaurants on upto 50,0000 purchases, 4x points on groceries on spending $25,000, 3x points on flight bookings, $2 points on hotels, and $1 on other purchases
• Perks: 
• Annual Fee:$325
• Recommended Credit Score: 670-850

Pros & Cons: What to Consider

Citi® Double Cash Card

Citi® Double Cash Card is one of the best everyday cash back cards for users who want to earn cash back and reward everyday spending. This credit card has a perfect, straightforward pricing structure, which offers 1% cashback when you buy something and another 1% cashback when you pay off the balance amount. There is no category restriction or any set limit on cashback, which makes it a perfect choice for everyday spenders.

However, this card doesn’t hold any offer-specific signup bonus or any premium travel benefits or travel miles. With the Citi® Double Cash Card, you can get thank-you points for cash back.

Card Card Highlights: Features & Benefits

• Sign Up Bonus: Earn $200 after spending &1500 
• Reward Rate: 1%-5% 
• Perks: Unlimited cashback
• Annual Fee:$0
• Recommended Credit Score:
• Intro APR: 0% Intro APR on balance transfer for 18 months

Pros & Cons: What to Consider

Chase Freedom Flex℠

Chase Freedom Flex℠ is one of the versatile credit cards that offer amazing cashback and reward offers on versatile categories. This credit card comes with a $0 annual fee, providing 5% cashback on a rotational category in rotational categories, which changes every month. Chase offers you a tempting bonus offer of $200 after spending $500 in the first 3 months of your account opening.

Cardholders can get exciting cashback of 5% on rotational category changes quarterly up to $1500, 5% cashback on travel through the Chase Unlimited award, 3% on dining in restaurants and takeout, 3% on drugstore purchases, and another 1% on other purchases.

Chase has a 0% introductory APR rate on purchases and balance transfers, which helps users manage existing debt. You don’t need to worry about cashback expiry, and there is no set limit on redemption as well.

Card Card Highlights: Features & Benefits

• Sign Up Bonus: $200 on spending $500 within the first 3 months 
• Reward Rate: 5% on rotating categories changing quarterly, 3% on dining, and 1% on other purchases 
• Annual Fee:$0
• Recommended Credit Score: 690-850
• Intro APR: 0% Intro APR

Pros & Cons: What to Consider

Bank of America® Travel Rewards Credit Card

The Bank of America® Travel Rewards Credit Card is one of the best affordable travel-friendly cards that comes with no annual fee but bundled with a lot of travel perks. This card is great for travelers who are looking for great rewards but are unable to pay any monthly fee. The cardholders can earn upto 1.5 points on each dollar spent. 

The exciting part is that rewards never expire and are valid till the account is active, but some redemption options have time limitations. These points can be easily redeemed on travel, hotels, flights, and other packages. This card is an absolute gift for travelers who are looking for a simple credit card with high rewards and no annual fee.

Card Card Highlights: Features & Benefits

• Sign Up Bonus: 25,000 bonus points after spending $1000 in the first 90 days 
• Reward Rate: Earn unlimited 1.5 points on each dollar spent 
• Annual Fee:$0
• Recommended Credit Score:
• Intro APR: 0% intro APR for the first 15 billing cycles

Pros & Cons: What to Consider

Wells Fargo Active Cash® Card

Rewards cards can sometimes be complicated, but the Wells Fargo Active Cash® Card is an exception, providing 2% straightforward and impressive cashback on all transactions without having to jump through hoops. This card features exciting benefits such as unlimited cashback, a good sign-up bonus, and no annual interest fee.

This card also includes a 0% introductory APR on balance transfers and purchases for the first 15 months, which helps manage large expenses and debts. This is one of the best cards with minimized efforts and maximized benefits that offers its users cellphone protection, advanced security features, and exclusive Visa signature perks services.

Card Card Highlights: Features & Benefits

• Sign Up Bonus:$200 after spending $500 in the first 3 months of membership 
• Reward Rate: Unlimited 2% cashback on all spending 
• Annual Fee: $0
• Recommended Credit Score:
• Intro APR: 0% introductory APR on purchases and balance transfer for 15 months

Pros & Cons: What to Consider

Amex EveryDay® Credit Card

The most highlighted feature of the Amex EveryDay® Credit Card is not only its cashback policy but also its flexible payment option. This card provides straightforward 2% cash back on everyday spending; the rewards can be maximized if you make a lot more transactions.

This is a kind of entry-level card that offers 2 rewards points per dollar at supermarkets in the USA (upto $6000 in a year), 2x points on travel booking through American Express Travel Card, and 1x on everything else. This card comes with 0% intro APR on balance transfers and purchases for 15 months and does not charge any annual fee.

The membership rewards points, which can be redeemed for travel, statement credits, and gift cards, provide great flexibility without any annual fee. The unlimited % of cashback offers and $0 annual fee make it the perfect choice for users who can’t pay annual charges but want to get benefits from everyday spending credit cards.

Card Card Highlights: Features & Benefits

• Sign Up Bonus: Earn 10,000 membership reward points after spending $2000 in the first 6 months of membership. 
• Reward Rate: 2x points on US supermarkets, 1x on other purchases 
• Perks: Access to American Express Program
• Annual Fee: No annual fee 
• Recommended Credit Score:
• Intro APR: 0% introductory APR for the first 15 months

Pros & Cons: What to Consider

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express is one of the elite-class cards in the cash-back categories. This card is perfect for large families and groups who spend a great amount of their income on supermarkets.

The cashback usually amounts to:

• 6% on the supermarkets in USA
• 6% on US streaming subscriptions, 
• 3% on transit, 
• 3% at gas stations, and
• 1% on other expenditures. 

All the cashback can be redeemed as a Reward Dollar that can be redeemed as a statement credit. Apart from this, users also get a $84 Disney Bundle Credit, Equinox Credit, Amex offer, Purchase Protection, and many more exciting benefits. 

Although these eye-catching rewards have a price, they come at an annual fee of $0, and users have to pay $95. Still, this credit card has the potential to make up more offers with its high reward rate, even when paying high annual interest rates.

Card Card Highlights: Features & Benefits

• Sign Up Bonus: $250 on spending $3000 on your card 
• Reward Rate: Rewards rates vary from 1% to 6%
• Annual Fee:$95 (waved off for the first year) 
• Intro APR: 0%

Pros & Cons: What to Consider

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Most Used Wells Fargo Credit Cards for Small Business Owners

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Signify Business Cash℠ Card

Cashback

• Card Name: Signify Business Cash℠ Card
• Issuer – Wells Fargo
• Payment Gateway – Visa
• Credit Score – N/A
• Intro APR – 0% intro APR for 12 months
• Regular APR – 17.49% – 25.99%
• Sign In Bonus – Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
• Balance Transfer – 17.49% – 25.99%
• Best For – Small Business Owners

Wells Fargo Business Cash Wise Credit Card

Cashback on all Purchases

• Card Name: Wells Fargo Business Cash Wise Credit Card
• Issuer – Wells Fargo
• Payment Gateway – Visa
• Credit Score – Good – Excellent
• Intro APR – 0% for 12 months
• Regular APR – 14.49% – 24.99%
• Sign In Bonus – N/A
• Balance Transfer – 14.49% – 24.99%
• Best For – Small Business Owners

Wells Fargo Business Secured Credit Card

Rebuilding Credit

• Card Name: Wells Fargo Business Secured Credit Card
• Issuer – Wells Fargo
• Payment Gateway – Visa
• Credit Score – N/A
• Intro APR – N/A
• Regular APR – Prime Rate + 11.90%
• Sign In Bonus – N/A
• Balance Transfer – Prime Rate + 11.90%
• Best For – Small Business Owners

Wells Fargo Business Platinum Credit Card

Cashback on Business Expenses

• Card Name: Wells Fargo Business Platinum Credit Card
• Issuer – Wells Fargo
• Payment Gateway – Visa
• Credit Score – Good to Excellent
• Intro APR – 0% Intro APR on purchases and balance transfers for the first 9 months. After that, a variable APR applies.
• Regular APR – 18.49% – 26.49%
• Sign In Bonus – Earn a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the rewards program and spend $3,000 in the first 3 months of account opening.
• Balance Transfer – 18.49% – 26.49%
• Best For – Small Business Owners

Most Used Credit Cards for Everyday Use in the USA

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Citi Double Cash® Card

• Card Name: Citi Double Cash® Card
• Issuer – CitiBank
• Payment Gateway – MasterCard
• Annual Fee – $0
• Credit Score – Good – Excellent 
• Intro APR – 0% Intro APR for 18 months on balance transfers
• Regular APR – 18.24% – 28.24%
• Balance Transfer APR – 19.24%–29.24%
• Cash Advance Fee – 5% or $10
• Balance Transfer Fee – 5% of each transfer ($5 minimum)
• International Transaction Fee – 3%
• Best For – Everyday Users, Budget-Conscious

Wells Fargo Active Cash® Card

• Card Name: Wells Fargo Active Cash® Card
• Issuer – Wells Fargo
• Payment Gateway – Visa
• Annual Fee – $0
• Credit Score – Good – Excellent 
• Intro APR – 0% Intro APR for 15 months from account opening on purchases and qualifying balance transfers.
• Regular APR – 19.24% to 29.24% Variable APR
• Balance Transfer APR – 19.24% to 29.24% APR
• Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
• Balance Transfer Fee – 5% for each balance transfer, with a minimum of $5.
• International Transaction Fee – 3%
• Best For – Individuals Seeking Cash Back

Chase Freedom Unlimited®

• Card Name: Chase Freedom Unlimited®
• Issuer – Chase
• Payment Gateway – MasterCard
• Annual Fee – $0
• Credit Score – Good – Excellent 
• Intro APR – 0% for 15 months
• Regular APR – 20.24%–28.99%
• Balance Transfer APR – 20.24%–28.99%
• Cash Advance Fee – 5% or $10
• Balance Transfer Fee – Either $5 or 5% of the amount of each transfer, whichever is greater.
• International Transaction Fee – 3%
• Best For – General Consumers

Blue Cash Everyday® Card from American Express

• Card Name: Blue Cash Everyday® Card from American Express
• Issuer– American Express
• Payment Gateway – AMEX
• Annual Fee – $0
• Credit Score – Good/Excellent
• Intro APR – 0% on Purchases for 15 months
• Regular APR – 19.24%–29.99%
• Balance Transfer APR – 20.24%
• Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
• Balance Transfer Fee – 5% of each transfer ($5 minimum)
• International Transaction Fee – 0%
• Best For – Families, Online Shoppers

U.S. Bank Cash+® Visa Signature® Card

• Card Name: U.S. Bank Cash+® Visa Signature® Card
• Issuer – U.S. Bank
• Payment Gateway – Visa
• Annual Fee – $0
• Credit Score – Good – Excellent 
• Intro APR – 0% Intro APR for 15 billing cycles on purchases and balance transfers. 
• Regular APR – 18.24% to 28.24% Variable APR
• Balance Transfer APR – 18.24% to 28.24% Variable APR
• Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
• Balance Transfer Fee – Either 3% of the amount of each transfer or $5 minimum, whichever is greater
• International Transaction Fee – 3%
• Best For – Individuals Seeking Cash Back

Bank of America® Customized Cash Rewards

• Card Name: Bank of America® Customized Cash Rewards
• Issuer – Bank of America
• Payment Gateway – Visa
• Annual Fee – $0
• Credit Score – Good – Excellent 
• Intro APR – 0% intro APR for 15 billing cycles for purchases
• Regular APR – 18.24% – 28.24%.
• Balance Transfer APR – 18.24% – 28.24%.
• Cash Advance Fee – N/A
• Balance Transfer Fee – 5% of each transfer ($5 minimum)
• International Transaction Fee – 3%
• Best For – Everyday Spenders

Capital One Quicksilver Cash Rewards Credit Card

• Card Name: Capital One Quicksilver Cash Rewards Credit Card
• Issuer – Capital One
• Payment Gateway – MasterCard
• Annual Fee – $0
• Credit Score – Good-Excellent
• Intro APR – 0% for 15 months
• Regular APR – 19.24%-29.24% Variable
• Balance Transfer APR – 19.24%-29.24% Variable
• Cash Advance Fee – Either $10 or 3% of the amount of each cash advance, whichever is greater
• Balance Transfer Fee – Typically 3% or 5%
• International Transaction Fee – 0%
• Best For – Everyday Users, Professionals

Discover it® Cash Back

• Card Name: Discover it® Cash Back
• Issuer – Discover
• Payment Gateway – Discover
• Annual Fee – $0
• Credit Score – Good – Excellent 
• Intro APR – 0% intro APR for 15 months on purchases and balance transfers
• Regular APR – Variable APR of 18.24% – 27.24%.
• Balance Transfer APR – 18.24% – 27.24%
• Cash Advance Fee – 5% or $10
• Balance Transfer Fee – 5%
• International Transaction Fee – 0%
• Best For – Everyday Spenders

Amazon Visa Credit Card

• Card Name: Amazon Visa Credit Card
• Issuer – Chase
• Payment Gateway – Visa
• Annual Fee – Good/Excellent
• Credit Score – N/A
• Intro APR – N/A
• Regular APR – 19.49% to 28.24%
• Balance Transfer APR – 19.49% to 28.24%
• Cash Advance Fee – Either $5 or 4% of the amount of each transaction, whichever is greater.
• Balance Transfer Fee – Either $5 or 4% of the amount of each transfer, whichever is greater.
• International Transaction Fee – N/A
• Best For – Online Shoppers

Costco Anywhere Visa® Card by Citi

• Card Name: Costco Anywhere Visa® Card by Citi
• Issuer – CitiBank
• Payment Gateway – Visa
• Annual Fee – $0 (Costco membership required)
• Credit Score – Good – Excellent 
• Intro APR – N/A
• Regular APR – 20.24%
• Balance Transfer APR – 20.24%
• Cash Advance Fee – 5% or $10
• Balance Transfer Fee – 5% of each transfer ($5 minimum)
• International Transaction Fee – 0%
• Best For – Costco Members, Frequent Drivers

Most Used Travel Credit Cards with No Foreign Transaction Fees

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Chase Sapphire Preferred

Signup Bonuses

• Card Name: Chase Sapphire Preferred
• Issuer – Chase
• Payment Gateway – Visa
• Credit Score – Good-Excellent
• Annual Fee – $95
• International Transaction Fee – No Foreign Transaction Fees
• Cash Advance Fee – 5% or $10
• Intro APR – N/A
• Regular APR – 21.24%–28.24%
• Sign In Bonus – 60,000 points after $4,000 spent in 3 months
• Best For – Dining and Travel

The Platinum Card® from Amex

Signup Bonuses

• Card Name: The Platinum Card® from Amex
• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score
• Excellent
• Intro APR – N/A
• Annual Fee – $695
• International Transaction Fee – No Foreign Transaction Fee
• Cash Advance Fee – Cash advance of 5% or $10
• Regular APR – 21.24%–29.24%
• Sign-up Bonus – 80,000 Membership Rewards points after $8,000 spent in 6 months
• Best For – Professionals Frequent Travelers

Capital One Venture Rewards Credit Card

Travel Credit

• Card Name: Capital One Venture Rewards Credit Card
• Issuer – Capital One
• Payment Gateway – Visa
• Credit Score – Excellent
• Intro APR – 0% for 15 months
• Regular APR – 20.24%-28.24% Variable
• Annual Fee – $95
• International Transaction Fee – None
• Cash Advance Fee – 5% or $10, whichever is greater
• Sign-up Bonus – 75,000 miles after spending $4,000 in the first 3 months
• Best For – Frequent Travelers, Professionals

Delta SkyMiles® Gold Amex Card

Frequent Traveler

• Card Name: Delta SkyMiles® Gold Amex Card
• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score – Good-Excellent
• Intro APR – 0% for 12 months
• Regular APR – 20.24%–29.99%
• Annual Fee – $99 (waived first year)
• International Transaction Fee – No Foreign Transaction Fee
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – 20.24%–29.99%
• Sign-up Bonus – 40,000 Delta SkyMiles after $2,000 spent in 6 months
• Best For – Frequent Flyers, Delta Loyalists

Citi Premier® Card

Travel Rewards

• Card Name: Citi Premier® Card
• Issuer – Citibank
• Payment Gateway – MasterCard
• Credit Score – Good-Excellent
• Intro APR – N/A
• Regular APR – 21.24%–28.24%
• Annual Fee – $95
• International Transaction Fee – No Foreign Transaction Fee
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – 21.24%–28.24%
• Sign-up Bonus – 60,000 points after $4,000 spent in 3 months
• Best For – Frequent Travelers

Bank of America® Travel Rewards Credit Card

Travel Reward

• Card Name: Bank of America® Travel Rewards Credit Card
• Issuer – Bank of America
• Payment Gateway – Visa
• Credit Score – Good/Excellent
• Intro APR – 0% intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, a variable APR of 18.24% – 28.24% applies.
• Regular APR – Variable APR of 18.24% – 28.24%.
• Annual Fee – $0
• International Transaction Fee – None
• Cash Advance Fee – N/A
• Balance Transfer APR – Same as Regular APR; balance transfer fee applies.
• Sign-up Bonus – 25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of account opening.
• Best For – Travelers

U.S. Bank Altitude Connect Visa Signature® Card

Travel Rewards

• Card Name: U.S. Bank Altitude Connect Visa Signature® Card
• Issuer – U.S. Bank
• Payment Gateway – Visa
• Credit Score – Good to Excellent
• Intro APR – 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR applies.
• Regular APR – 18.24% to 28.24% Variable APR
• Annual Fee – No Annual Fee
• International Transaction Fee – No Foreign Transaction Fees
• Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
• Balance Transfer APR – 18.24% to 28.24% Variable APR
• Sign-up Bonus – 20,000 bonus points after spending $1,000 in eligible purchases within the first 90 days of account opening.
• Best For – Frequent Travelers Commuters

Navy Federal Credit Union Visa Signature® Flagship Rewards Card

Travel Benefit

• Card Name: Navy Federal Credit Union Visa Signature® Flagship Rewards Card
• Issuer – Navy Federal Credit Union
• Payment Gateway – Visa
• Credit Score – Good to Excellent
• Intro APR – N/A
• Regular APR – 11.24% to 18.00% Variable APR
• Annual Fee – $49
• International Transaction Fee – No Foreign Transaction Fees
• Cash Advance Fee – Either $0.50 or 2% of the amount of each cash advance, whichever is greater
• Balance Transfer APR – N/A
• Sign-up Bonus – 40,000 bonus points (a $400 value) when you spend $3,000 within 90 days of account opening.
• Best For – Military Personnel

Capital One Venture X Reward Credit Card

International Transactions

• Card Name: Capital One Venture X Reward Credit Card
• Issuer – Capital One
• Payment Gateway – Visa
• Credit Score – Excellent
• Intro APR – 0% for 12 Months
• Regular APR – 19.24%-26.24% Variable
• Annual Fee – $395
• International Transaction Fee – None
• Cash Advance Fee – 5% or $10, whichever is greater
• Sign In Bonus – 75,000 miles after spending $4,000 in the first 3 months
• Balance Transfer – 19.24%-26.24% Variable
• Best For – High Spenders, Frequent Travelers

Most Used Student Credit Cards with No Annual Fee in USA

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Citi Rewards+® Student Card

Credit Building for Students

• Card Name: Citi Rewards+® Student Card
• Issuer – Citibank
• Payment Gateway – MasterCard
• Credit Score – Fair-Good
• Intro APR – 0% for 7 months
• Regular APR – 18.24%-28.24%
• Annual Fee – $0
• International Transaction Fee – 3%
• Cash Advance Fee – 5% or $5
• Balance Transfer APR – 18.24%-28.24%
• Sign-up Bonus – 5.000 points after $500 spent in 3 months
• Best For – Students , Credit Builders

Chase Freedom Rise® Student Credit Card

Credit Building for Students

• Card Name: Chase Freedom Rise® Student Credit Card
• Issuer – Chase
• Payment Gateway – Visa
• Credit Score – Fair-Good
• Intro APR – 0% for 6 months
• Regular APR – 27.24%
• Annual Fee – $0
• International Transaction fee – 3%
• Cash Advance fee – Either $10 or 5% of the amount of each transaction, whichever is greater.
• Sign-up Bonus – $25 after first purchase in 3 months
• Balance Transfer – 25.99%. 
• Best For – Students, Credit Builders

Citi® Diamond Preferred® Card

Credit Building for Students

• Card Name: Citi® Diamond Preferred® Card
• Issuer – Citibank
• Payment Gateway – MasterCard
• Credit Score – Good-Excellent
• Intro APR – 0% for 12 months
• Regular APR – 17.24% to 27.99%,
• Annual fee – $0
• International Transaction fee – 3%
• Cash Advance fee – Either $10 or 5% of the amount of each cash advance, whichever is greater.
• Sign In Bonus – N/A
• Balance Transfer – 19.24%-29.24%
• Best For – Balance Carriers, Students, Low-Interest Seekers

Chase Slate Edge® Credit Card

Credit Building for Students

• Card Name: Chase Slate Edge® Credit Card
• Issuer – Chase Bank
• Payment Gateway – Visa
• Credit Score – Good-Excellent
• Intro APR – 0% for 18 months
• Regular APR – 20.49% – 29.24% Variable
• Annual Fee – $0
• International transaction fee – 3%
• Cash Advance fee – Either $10 or 5% of the amount of each transaction, whichever is greater.
• Sign In Bonus – N/A
• Balance Transfer – 20.49% – 29.24% Variable
• Best For – Students

Discover it® Student Cash Back

Cashback Rewards

• Card Name: Discover it® Student Cash Back
• Issuer – Discover
• Payment Gateway – Discover
• Credit Score – No credit history required
• Intro APR – 0% Intro APR^† for 6 months
• Regular APR – 17.24% to 26.24%
• Annual Fee – $0
• International Transaction Fee – N/A
• Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater.
• Balance Transfer APR – 10.99% 
• Sign-up Bonus – Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year.
• Best For – Students 

Discover it® Student Chrome

Cashback Rewards

• Card Name: Discover it® Student Chrome
• Issuer – Discover
• Payment Gateway – Discover
• Credit Score – No Credit Score
• Intro APR – 0% Intro APR for 6 months on purchases
• Regular APR – 17.24% to 26.24% Variable APR
• Annual Fee – No Annual Fee
• International Transaction Fee – No Foreign Transaction Fees
• Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
• Balance Transfer APR – 10.99% intro APR for 6 months, after that 17.24% to 26.24% 
• Sign-up Bonus – Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year.
• Best For – Students

Blue Cash Everyday® Card

Cash Back on Everyday Categories

• Card Name: Blue Cash Everyday® Card
• Issuer – American Express
• Payment Gateway – Amex
• Credit Score – Good to Excellent
• Intro APR – 0% intro APR for 15 months on purchases and balance transfers.
• Regular APR – 18.24% – 29.24% Variable
• Annual Fee – $0
• International Transaction Fee – 2.7% of each transaction after conversion to US dollars
• Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
• Balance Transfer APR – 0% intro APR for 15 months; then 18.24% – 29.24% Variable
• Sign-up Bonus – Earn a $250 statement credit after spending $2,000 in purchases within the first 6 months.
• Best For – Student, Families, Online Shoppers

Most Used Hotel Credit Cards for Free Nights & Elite Perks

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World of Hyatt Credit Card

Hotel Rewards and Travel Perks

• Card Name: World of Hyatt Credit Card
• Issuer – Chase
• Payment Gateway – Visa
• Credit Score – Good to Excellent
• Intro APR – N/A
• Regular APR – 19.99% – 28.49%
• Annual Fee – $95
• International Transaction Fee – No Foreign Transaction Fees
• Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
• Balance Transfer APR – 19.99% – 28.49%
• Sign-up Bonus – 30,000 Bonus Points after spending $3,000 on purchases within the first 3 months.
  Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months on purchases.
• Best For – Frequent Travelers, Lifestyle

IHG One Rewards Premier Credit Card

Travel Perks and Hotel Rewards

• Card Name: IHG One Rewards Premier Credit Card
• Issuer – Chase
• Payment Gateway – MasterCard
• Credit Score – Good to Excellent
• Intro APR – N/A
• Regular APR – 21.24% to 28.24% Variable APR
• Annual Fee – $99
• International Transaction Fee – No Foreign Transaction Fees
• Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
• Balance Transfer APR – N/A
• Sign-up Bonus – 170,000 Bonus Points after spending $4,000 on purchases within the first 3 months from account opening.
• Best For – Frequent Travelers, Lifestyle

Marriott Bonvoy Brilliant® Amex Card

Hotel rewards and Lounge access

• Card Name: Marriott Bonvoy Brilliant® Amex Card
• Issuer – American Express
• Payment Gateway – Amex
• Credit Score – Excellent
• Intro APR – N/A
• Regular APR – 19.99% – 28.99%
• Annual Fee – $650
• International Transaction Fee – No Foreign Transaction Fee
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – N/A
• Sign-up Bonus – 95,000 Marriott Bonvoy points after $6,000 spent in 6 months
• Best For – Frequent Travelers, Marriott Loyalists

Hilton Honors Amex Surpass® Card

Hotel Rewards and Travel Benefits

• Card Name: Hilton Honors Amex Surpass® Card
• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score – Good-Excellent
• Intro APR – N/A
• Regular APR – 19.99% – 28.99% 
• Annual Fee – $150
• International Transaction Fee – No Foreign Transaction Fee
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – N/A
• Sign-up Bonus – 130,000 Hilton Honors points after $3,000 spent in 6 months
• Best For – Travelers, Hilton Loyalists

Hilton Honors Aspire Card

Luxury Hotel Rewards

• Card Name: Hilton Honors Aspire Card
• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score – Excellent
• Intro APR – N/A
• Regular APR – 19.99% – 28.99%
• Annual Fee – $550
• International Transaction Fee – No Foreign Transaction Fee
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – N/A
• Sign-up Bonus – 150,000 Hilton Honors points after $6,000 spent in 6 months
• Best For – Frequent Travelers, Hilton Elite Members

Chase Marriott Bonvoy Boundless® Card

Hotel Rewards and Travel benefits

• Card Name: Chase Marriott Bonvoy Boundless® Card
• Issuer – Chase
• Payment Gateway – Visa
• Credit Score – Good-Excellent
• Intro APR – N/A
• Regular APR – 21.24%–28.24%
• Annual Fee – $95
• International Transaction Fee – No Foreign Transaction Fee
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – 21.24%–28.24%
• Sign-up Bonus – 100,000 points after $3,000 spent in 3 months
• Best For – Frequent Travelers, Marriott Loyalists

Most Used Credit Cards for Gig Workers & Uber Drivers

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Chase Ink Business Unlimited® Card

Business Cashback

• Card Name: Chase Ink Business Unlimited® Card
• Issuer – Chase
• Payment Gateway – Visa
• Credit Score – Good/Excellent
• Intro APR – 0% intro APR on purchases for 12 months 
• Regular APR – 17.49% – 23.49% Variable APR
• Annual Fee – $0
• International Transaction Fee – 3%
• Cash Advance Fee – $15 or 5%
• Balance Transfer APR – $5 or 5%
• Sign-up Bonus – $750 bonus cash back after you spend $6,000 in the first 3 months from account opening.
• Best For – Small Business Owners

American Express Blue Business® Plus

Business Rewards

• Card Name: American Express Blue Business® Plus
• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score – Good-Excellent
• Intro APR – 0% for 12 Months from the date of account opening
• Regular APR – 17.49% – 25.49% Variable
• Annual Fee – $150
• International Transaction Fee – 2.7%
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – 17.49% – 25.49% Variable
• Sign In Bonus – Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• Best For – Small Business Owners, Entrepreneurs

Capital One Spark Miles for Business

Business Travel Rewards

• Card Name: Capital One Spark Miles for Business
• Issuer – Capital One
• Payment Gateway – MasterCard
• Credit Score – Excellent
• Intro APR – N/A
• Regular APR – 26.24% Variable 
• Annual Fee – $95
• International Transaction Fee – $0
• Cash Advance Fee – 5% or $10, whichever is greater
• Balance Transfer APR – 26.24% Variable 
• Sign In Bonus – 50,000 miles after spending $4,500 in the first 3 months
• Best For – Small Business Owners, Frequent Business Travelers

Stripe Corporate Card

Cash Back on Every Purchases

• Card Name: Stripe Corporate Card
• Issuer – Stripe
• Payment Gateway – Visa
• Credit Score – N/A
• Intro APR – N/A
• Regular APR – N/A
• Annual Fee – $0
• International Transaction Fee – No Foreign Transaction Fees
• Cash Advance Fee – N/A
• Balance Transfer APR – N/A
• Sign In Bonus – N/A
• Best For – Gig workers, Uber drivers, Small Business Owners

Uber Visa Card

Cash-Back Rewards on Uber-Related Spending

• Card Name: Uber Visa Card
• Issuer – Barclays
• Payment Gateway – Visa
• Credit Score – Good to Excellent
• Intro APR – N/A
• Regular APR – 15.99% – 25.99% Variable APR
• Annual Fee – $0
• International Transaction Fee – No Foreign Transaction Fees
• Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
• Balance Transfer APR – N/A
• Sign In Bonus – Earn $100 after spending $500 on purchases in the first 90 days.
• Best For – Uber drivers , Professionals

Most Used Credit Cards with Rotating Cashback Categories

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Chase Freedom Flex℠

Cashback Rewards

• Card Name: Chase Freedom Flex℠
• Issuer – Chase
• Payment Gateway – Mastercard
• Credit Score – Good-Excellent
• Intro APR – 0% for 15 months
• Regular APR – 20.24%–28.99%
• Annual Fees – $0
• International Transaction Fee – 3%
• Cash Advance Fee – 5% or $10
• Balance Transfer – 20.24%–28.99%
• Sign-up Bonus – $200 after $500 spent in 3 months
• Best For – General Consumers, Budget Shoppers

Discover it® Cash Back

Cashback & Rotatory Categories

• Card Name: Discover it® Cash Back
• Issuer – Discover
• Payment Gateway – Discover
• Credit Score – Good/Excellent
• Intro APR – 0% intro APR for 15 months on purchases and balance transfers; after that, variable APR of 18.24% – 27.24%.
• Regular APR – Variable APR of 18.24% – 27.24%.
• Sign-up Bonus – Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year.
• Annual Fees – $ 0
• International Transaction Fee – None
• Cash Advance Fee – N/A
• Balance Transfer APR – 0% intro APR for 15 months on balance transfers; after that, variable APR of 18.24% – 27.24%.
• Best For – Everyday Spenders

Citi Custom Cash℠ Card

Credit Building

• Card Name: Citi Custom Cash℠ Card
• Issuer – Citibank
• Payment Gateway – Mastercard
• Credit Score – Good-Excellent
• Intro APR – 0% for 15 months
• Regular APR – 19.24%-29.24%
• Sign In Bonus – $200 cash back after $1500 spent in 3 months
• Annual Fees – $0
• International Transaction Fee – 3%
• Cash Advance Fee – 5% or $10
• Balance Transfer – 19.24%-29.24%
• Best For – Everyday User, High Spenders

U.S. Bank Cash+® Visa Signature® Card

Customizable Rewards & Cashback

• Card Name: U.S. Bank Cash+® Visa Signature® Card
• Issuer – U.S. Bank
• Payment Gateway – Visa
• Credit Score – Good to Excellent
• Intro APR – N/A
• Regular APR – 13.99% to 23.99% Variable APR
• Sign-up Bonus – $200 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
• Annual Fees – $0
• International Transaction Fee – 3% Foreign Transaction Fee
• Cash Advance Fee – Either $10 or 4% of the amount of each cash advance, whichever is greater
• Balance Transfer – N/A
• Best For – Professionals

Bank of America® Cash Rewards Credit Card

Cashback

• Card Name: Bank of America® Cash Rewards Credit Card
• Issuer – Bank of America
• Payment Gateway – Visa
• Credit Score – Good to Excellent
• Intro APR – 0% for 15 billing cycles on purchases and balance transfers made within 60 days of account opening.
• Regular APR – 18.24% – 28.24% Variable APR.
• Sign-up Bonus – $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.
• Annual Fees – $0
• International Transaction Fee – 3%
• Cash Advance Fee – Either $10 or 3% of the amount of each transaction, whichever is greater.
• Balance Transfer – 18.24% – 28.24% Variable APR.
• Best For – General Consumers Professionals

Most Used Credit Cards in USA for Military Service Members

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Navy Federal Credit Visa Signature® Flagship Rewards Card

Travel Rewards

• Card Name: Navy Federal Credit Visa Signature® Flagship Rewards Card
• Issuer – Navy Federal Credit Union
• Payment Gateway – Visa
• Credit Score – Good to Excellent
• Intro APR – N/A
• Regular APR – 15.49% to 18.00% Variable APR
• Sign In Bonus – 35,000 bonus points (a $350 value) when you spend $3,500 within 90 days of account opening.
• Balance Transfer – 15.49% to 18.00%
• Best For – Military Personnel

American Express® Platinum Card®

Travel Rewards, Luxury Benefits

• Card Name: American Express® Platinum Card®
• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score – Excellent
• Intro APR – N/A
• Regular APR – 21.24%–29.24%
• Sign In Bonus – 80,000 Membership Rewards points after $8,000 spent in 6 months
• Balance Transfer – N/A
• Best For – Military Personnel, Professionals, Frequent Travelers

Capital One QuicksilverOne Cash Rewards Credit Card

Cash Back on Everyday Purchase

• Card Name: Capital One QuicksilverOne Cash Rewards Credit Card
• Issuer – Capital One
• Payment Gateway – Mastercard
• Credit Score – Fair
• Intro APR – 0% for 15 months
• Regular APR – 29.74%
• Sign In Bonus – Earn a one-time $50 cash bonus after spending $100 within 3 months of account opening.
• Balance Transfer – 29.74%
• Best For – Military Personnel, Everyday users, Student

Chase Sapphire Reserve® Card

Travel Rewards

• Card Name: Chase Sapphire Reserve® Card
• Issuer – Chase Bank
• Payment Gateway – Visa
• Credit Score – Excellent
• Intro APR – N/A
• Regular APR – 21.49% – 28.49% Variable
• Sign In Bonus – 60,000 points after spending $4,000 in the first 3 months
• Balance Transfer – 21.49% – 28.49% Variable
• Best For – Military Personnel, Frequent Travelers, High Spenders

USAA® Rewards™ Visa Signature® Card

Cash Rewards and Travel Benefits

• Card Name: USAA® Rewards™ Visa Signature® Card
• Issuer – USAA
• Payment Gateway – Visa
• Credit Score – Good – Excellent
• Intro APR – N/A
• Regular APR – 14.15% – 28.15%
• Sign In Bonus – 2,500 bonus points after your first purchase
• Balance Transfer – N/A
• Best For – Military Personnel

American Express Blue Cash Preferred

Online Shopping and Cashback

• Card Name: American Express Blue Cash Preferred
• 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
• Balance Transfer – 19.24%–29.99%
• Best For – Military Personnel, Families, Everyday Spenders

Chase Sapphire Preferred® Card

Travel Rewards

• Card Name: Chase Sapphire Preferred® Card
• 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 – Military Personnel, Frequent Travellers, Food Enthusiast

Chase Freedom Unlimited®

Cashback Rewards

• Card Name: Chase Freedom Unlimited®
• Issuer – Chase
• Payment Gateway – Visa
• Credit Score – Good-Excellent
• Intro APR – 0% for 15 months
• Regular APR – 20.24%–28.99%
• Sign In Bonus – $200 after $500 spent in 3 months
• Balance Transfer – 20.24%–28.99%
• Best For – Military Personnel, General Consumers

Most Used Credit Cards in USA for Large Purchases

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Chase Sapphire Preferred® Card

Travel Card

• Card Name: Chase Sapphire Preferred® Card
• Issuer – Chase Bank
• Payment Gateway – Visa
• Credit Score – Good-Excellent
• Intro APR – N/A
• Regular APR – 21.24%–28.24%
• Annual Fee – $95
• International Transaction Fee – No International Transaction Fee
• Cash Advance Fee – 5% or $10 
• Balance Transfer APR – N/A
• Sign-up Bonus – 60,000 points after $4,000 spent in 3 months
• Best For – Frequent Travellers, Food Enthusiasts

American Express Platinum Card®

Travel Reward

• Card Name: American Express Platinum Card®
• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score – Excellent
• Intro APR – N/A
• Regular APR – 21.24%–29.24%
• Annual Fee – $695
• International Transaction Fee – No International Transaction Fee
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – N/A
• Sign-up Bonus – 80,000 Membership Rewards points after $8,000 spent in 6 months
• Best For – Professionals, Frequent Travelers

Capital One Venture Rewards Credit Card

Travel Rewards

• Card Name: Capital One Venture Rewards Credit Card
• Issuer – Capital One
• Payment Gateway – MasterCard
• Credit Score – Excellent
• Intro APR – N/A 
• Regular APR – 19.99% – 29.24% variable APR
• Annual Fee – $95
• International Transaction Fee – No Foreign Transaction Fees
• Cash Advance Fee – $10 or 3%
• Balance Transfer APR – 19.99% – 29.24% 
• Sign-up Bonus – 75,000 bonus miles after spending $4,000 in the first 3 months
• Best For – Travelers

Bank of America® Premium Rewards® Credit Card

International Transaction

• Card Name: Bank of America® Premium Rewards® Credit Card
• Issuer – Bank of America
• Payment Gateway – Visa
• Credit Score – Excellent
• Intro APR – N/A
• Regular APR – 21.24% – 29.24% Variable APR
• Annual Fee – $95
• International Transaction Fee – No International Transaction Fee
• Cash Advance Fee – $10 or 5%
• Balance Transfer – 21.24% – 29.24% Variable APR
• Sign In Bonus – 60,000 online bonus points after spending $4,000 in the first 90 days 
• Best For – Frequent Travelers, Lifestyle

Chase Ink Business Cash® Credit Card

Cashback Rewards

• Card Name: Chase Ink Business Cash® Credit Card
• Issuer – Chase
• Payment Gateway – MasterCard
• Credit Score – Good-Excellent
• Intro APR – 0% for 12 months
• Regular APR – 18.24%–24.24%
• Annual Fee – $0
• International Transaction Fee – 3%
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – 18.24%–24.24%
• Sign-up Bonus – $750 cash back after $6,000 spent in 3 months
• Best For – Small Business Owners

Wells Fargo Active Cash® Card

Online Shopping and Cashback

• Card Name: Wells Fargo Active Cash® Card
• 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
• Annual Fee – $0
• International Transaction Fee – 3% of each transaction converted
• Cash Advance Fee – $10 or 5%
• Balance Transfer APR – 19.24% to 29.24% 
• Sign-up Bonus – $200 cash rewards bonus after spending $1,000 in the first 3 months
• Best For – Individuals Seeking Cash Back

Capital One Spark Cash Plus

Business Rewards

• Card Name: Capital One Spark Cash Plus
• Issuer – Capital One
• Payment Gateway – Visa
• Credit Score – Excellent
• Intro APR – N/A
• Regular APR – N/A
• Annual Fee – $150
• International Transaction Fee – No International Transaction Fee
• Cash Advance Fee – 5% or $5
• Balance Transfer APR – N/A
• Sign-up Bonus – $2,000 after spending $30,000 in the first 3 months
• Best For – Entrepreneurs, Small Business Owners

American Express® Gold Card

Travel Rewards

• Card Name: American Express® Gold Card
• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score – Good-Excellent
• Intro APR – N/A
• Regular APR – 20.24% to 28.24%
• Annual Fee – $325
• International Transaction Fee – No Foreign Transaction Fees
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – N/A
• Sign-up Bonus – 75,000 Membership Rewards points after $6,000 spent in 6 months
• Best For – Frequent Travelers, Food Enthusiasts

Most Used Credit Cards in the USA with Best Signup Bonuses

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Chase Sapphire Preferred

Signup Bonuses

• Card Name: Chase Sapphire Preferred
• Issuer – Chase
• Payment Gateway – Visa
• Credit Score – Good-Excellent
• Annual Fee – $95
• International Transaction Fee – No Foreign Transaction Fees
• Cash Advance Fee – 5% or $10
• Intro APR – N/A
• Regular APR – 21.24%–28.24%
• Sign In Bonus – 60,000 points after $4,000 spent in 3 months
• Best For – Dining and Travel

The Platinum Card® from Amex

Signup Bonuses

• Card Name: The Platinum Card® from Amex
• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score – Excellent
• Intro APR – N/A
• Annual Fee – $695
• International Transaction Fee – No Foreign Transaction Fee
• Cash Advance Fee – Cash advance of 5% or $10
• Regular APR – 21.24%–29.24%
• Sign-up Bonus – 80,000 Membership Rewards points after $8,000 spent in 6 months
• Best For – Professionals, Frequent Travelers

Capital One Venture Rewards Credit Card

Travel Rewards

• Card Name: Capital One Venture Rewards Credit Card
• Issuer – Capital One
• Payment Gateway – Visa
• Credit Score – Excellent
• Intro APR – 0% for 15 months
• Regular APR – 20.24%-28.24% Variable
• Annual Fee – $95
• International Transaction Fee – None
• Cash Advance Fee – 5% or $10, whichever is greater
• Sign-up Bonus – 75,000 miles after spending $4,000 in the first 3 months
• Best For – Frequent Travelers Professionals

United℠ Explorer Card

Travel Rewards

• Card Name: United℠ Explorer Card
• Issuer – Chase
• Payment Gateway – Visa
• Credit Score – Good to Excellent
• Intro APR – N/A
• Regular APR – 16.49% to 23.49% Variable APR
• Annual Fee – $95 (waived first year)
• International Transaction Fee – No Foreign Transaction Fees
• Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
• Sign-up Bonus – 50,000 bonus miles after spending $3,000 on purchases in the first 3 months your account is open.
• Best For – Frequent Travelers, Lifestyle

Southwest Rapid Rewards® Priority Credit Card

Travel Benefits

• Issuer – Chase
• Payment Gateway – Visa
• Credit Score – Good to Excellent
• Intro APR – N/A
• Regular APR – 15.99% to 22.99% Variable APR
• Annual Fee – $149
• International Transaction Fee – No Foreign Transaction Fees
• Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
• Sign-up Bonus – 40,000 points after spending $1,000 on purchases in the first 3 months your account is open.
• Best For – Frequent Travelers

American Express® Gold Card

Signup Bonuses

• Card Name: American Express® Gold Card
• Issuer – American Express
• Payment Gateway – AMEX
• Credit Score – Good-Excellent
• Intro APR – N/A
• Regular APR – 21.24%–29.24%
• Annual Fee – $250
• International Transaction Fee – No Foreign Transaction Fee
• Cash Advance Fee – 5% or $10
• Balance Transfer APR – N/A
• Best For – Food Enthusiasts, Frequent Travelers

Chase Ink Business Preferred

Signup Bonuses

• Card Name: Chase Ink Business Preferred
• Issuer – Chase
• Payment Gateway – Visa
• Credit Score – Good-Excellent
• Intro APR – N/A
• Regular APR – 20.24%–25.24%
• Annual Fee – $95
• International Transaction Fee – No Foreign Transaction Fee
• Cash Advance Fee – 5% or $10
• Sign In Bonus – 100,000 points after $8,000 spent in 3 months
• Best For – International Transactions

Most Used Credit Cards in the USA for Women with Bad Credit

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Capital One Secured MasterCard

Credit Building

• Card Name: Capital One Secured MasterCard
• Issuer – Capital One
• Payment Gateway – Mastercard
• Credit Score – Bad/Fair
• Intro APR – N/A
• Regular APR – 26.99%
• Sign-up Bonus – N/A
• Best For – Students, Defaulters, Low-Credit Users

Discover it® Secured Credit Card

Credit Building

• Card Name: Discover it® Secured Credit Card
• Issuer – Discover
• Payment Gateway – Discover
• Credit Score – Limited/No Credit
• Intro APR – N/A
• Regular APR – Variable APR of 25.24%.
• Sign-up Bonus – N/A
• Best For – Individuals Building Credit

Wells Fargo Business Secured Credit Card

Travel Rewards

• Card Name: Wells Fargo Business Secured Credit Card
• Issuer – Wells Fargo
• Payment Gateway – Visa
• Credit Score – N/A
• Intro APR – N/A
• Regular APR – Prime Rate + 11.90%
• Sign-up Bonus – N/A
• Best For – Small Business Owners

Citi Secured MasterCard®

Credit Building

• Card Name: Citi Secured MasterCard®
• Issuer – Citibank
• Payment Gateway – Mastercard
• Credit Score – Poor-Fair
• Intro APR – N/A
• Regular APR – 26.74%
• Sign-up Bonus – N/A
• Best For – Credit Builders, Newcomers

Capital One Platinum Secured Credit Card

Credit Building

• Card Name: Capital One Platinum Secured Credit Card
• Issuer – Capital One
• Payment Gateway – Mastercard
• Credit Score – Bad/Fair
• Intro APR – N/A
• Regular APR – 26.99%
• Sign-up Bonus – N/A
• Best For – Students, Defaulters, Low-Credit Users

American Express Serve® (Prepaid Card)

Credit Building

• Card Name: American Express Serve® (Prepaid Card)
• Issuer – AMEX
• Payment Gateway – Amex
• Credit Score – N/A
• Intro APR – N/A
• Regular APR – N/A
• Sign-up Bonus – N/A
• Best For – Credit Builders, Newcomers

Understanding Core Concepts of the U.S. Credit Card System

Navigating the U.S. credit card landscape requires more than just swiping smartly — it demands clarity on how credit truly works. This section breaks down the most overlooked yet foundational elements that directly affect your financial credibility, scores, and long-term borrowing power.

Pre-Approved Credit Card Offers in the U.S.: Opportunity or Trap?

Pre-approved credit card offers might seem attractive, but they come with layered risks. While 65% of U.S. adults receive these offers yearly, only 22% actually qualify after hard inquiry. These offers are based on soft pulls, not full credit analysis. Accepting one can trigger a hard pull, drop your credit score by 5–10 points, and still end in rejection. Plus, 70% of such offers have high APRs (20%+), lower limits, or no rewards. Always compare the card’s terms, check your FICO score range, and review hidden fees before applying. Don’t let the “you’re pre-approved” label mislead you.

How Credit Card Grace Periods Actually Work—and When You Lose Them

Grace periods help you avoid interest, but most users misunderstand them. About 56% of U.S. cardholders don’t know grace periods apply only when the previous balance is paid in full. Typically lasting 21–25 days, they reset every billing cycle. If you carry even $1 in balance, the issuer can charge interest on all new purchases immediately. With the average APR at 24.37%, a lost grace period can cost $50+ on just a $200 monthly spend. To keep it, always pay full statements by the due date—partial payments kill the benefit instantly.

What Happens Behind the Scenes During a Credit Card Transaction?

Each swipe activates a 5-step process in under 2 seconds. Your card info reaches the merchant’s acquirer, routes through networks like Visa or Mastercard, then hits your issuing bank for approval. If your $50 coffee tab exceeds available credit, it’s denied. 3 entities earn money: the issuer (via interest/fees), network (interchange), and merchant processor (service fees). Roughly 1.5%–3.5% of the transaction value goes to these players. Most U.S. consumers (over 70%) don’t realize how many hands touch their payment before it’s approved—yet each step impacts speed, fees, and fraud checks.

Why Credit Card Interest Rates Are So High in the U.S.

The average APR on U.S. credit cards is 24.37% (as of 2024), driven by unsecured lending risk, inflation-linked benchmarks, and user behavior. Banks assume 6–8% charge-off risk from missed payments, pass that onto rates. Nearly 46% of users revolve balances monthly, triggering interest. U.S. cards also allow flexible minimum payments, increasing repayment windows to 12–36 months. Compared to mortgages (~7%) or auto loans (~6%), card rates remain high due to daily compounding and no collateral. Understanding this helps users avoid the trap—1 missed payment of $1,000 can cost $243 extra in 12 months.

How Credit Utilization Directly Affects Your FICO Score

Credit utilization ratio accounts for 30% of your FICO score, making it the second-most critical factor after payment history. Keeping utilization below 30% is essential, but experts recommend 10% or less for optimal impact. For example, if your credit limit is $10,000, using over $3,000 may drop your score by 20–40 points. High utilization signals financial stress to lenders, even if you pay on time. Moreover, utilization is calculated per card and across total credit lines, so spreading out balances strategically can help. Monitoring this ratio monthly boosts approval chances for mortgages, auto loans, and even rentals.

Understanding U.S. Credit Card Benefits Beyond the Basics

Most credit card users focus on spending limits and interest rates but overlook the deeper benefits shaping their financial habits. From optimized APR strategies to smarter reward redemptions, these hidden features can add up to thousands in annual value. This section uncovers the essential credit card mechanics every U.S. consumer should understand to get more and lose less.

The Impact of Federal Reserve Policies on Credit Card Interest Rates

The Federal Reserve’s rate decisions directly shape your APR. When the Fed raises the federal funds rate—like the 5.25% to 5.50% hike in 2023—credit card interest rates often spike within weeks. Variable APRs, which affect over 85% of U.S. credit cards, adjust automatically. Even a 0.25% hike can cost cardholders $2.50 more monthly on a $1,200 balance. For U.S. consumers juggling debt, Fed rate changes aren’t just economic headlines—they translate to real, rising monthly costs, tighter credit access, and reshaped repayment strategies.

How Credit Utilization Ratio Influences Your Credit Score

Your credit utilization ratio—how much you owe vs. your total limit—makes up 30% of your FICO score. If you have a $10,000 limit and use $4,000, your utilization is 40%, which is above the ideal benchmark of 30%. Lowering it to 10% can boost your score by up to 50 points in 2 months. This single metric can decide whether you get approved for a mortgage, a car loan, or even premium credit cards. U.S. lenders watch this ratio closely—so should you.

Minimum Payment Trap and Long-Term Debt Cycle

Paying just the minimum—usually 1% to 3% of your balance—can trap you in a long-term debt cycle. For example, a $5,000 balance with 18% APR and $100 minimum payment can take over 20 years to pay off and cost you $6,000+ in interest. Banks earn billions this way annually. Most U.S. consumers underestimate this trap, leading to chronic debt. If you can’t pay in full, always pay more than the minimum to break the cycle faster and protect your financial future.

Introductory Offers vs. Long-Term Terms

Many U.S. credit cards lure users with 0% APR for 12 to 18 months, but after that, rates often spike to 20%–29.99%. Around 65% of users don’t track when their intro period ends. Miss one payment, and you can lose the offer entirely. Cashback bonuses up to $200 may seem attractive, but high ongoing APR or annual fees can outweigh the gains. Always compare long-term costs, not just short-term perks, to make smarter credit decisions.

How Credit Card Rewards Really Work

Over 80% of U.S. credit card users enroll in rewards programs, yet 37% don’t redeem them effectively. Cashback cards typically return 1%–5%, but many include rotating categories or spending thresholds that users miss. Travel rewards often offer $750+ in value with 60,000+ point bonuses, but redemption restrictions and blackout dates frustrate frequent flyers. Credit card issuers profit when you chase points and carry a balance—understanding reward structures is key to actually benefiting.

Frequently Asked Questions

What makes a credit card offer genuinely valuable beyond just a high sign-up bonus?

While a high sign-up bonus may look attractive, true value lies in long-term benefits like ongoing cashback rewards (up to 5% on select categories), 0% intro APR periods (some up to 21 months), and low foreign transaction fees. Additionally, features like credit-building opportunities, no annual fees, and flexible redemption options increase a card’s overall usefulness. As per the data reviewed, cards offering 2x points on travel and dining or flat 1.5%–2% cashback often outperform those with only one-time perks.

How does a 0% intro APR period impact real savings for everyday users in the U.S.?

A 0% intro APR can save users hundreds in interest, especially if they carry a balance on large purchases or transfers. For instance, a $5,000 balance on a card with 18 months of 0% APR could avoid $700–$900 in interest compared to a 20% APR card. These periods are ideal for consolidating debt, making planned purchases, or financing without pressure. Many top-tier U.S. credit cards now offer 15–21 month 0% APR promos to attract financially strategic users.

Why are balance transfer credit cards considered a smart debt management tool in the U.S.?

Balance transfer cards offer 0% APR for up to 21 months, allowing users to pay off high-interest debt without accruing new interest. For example, transferring a $6,000 balance from a 22% APR card to a 0% card can save over $1,100 in interest. Additionally, some cards waive transfer fees or cap them at 3%, enhancing overall savings. These features make such cards popular among U.S. consumers managing medical bills, student debt, or holiday expenses.

How do U.S. cash back credit cards provide value beyond just rewards?

Cash back cards not only return 1% to 6% on purchases but often come with no annual fees, purchase protections, and category bonuses. For instance, a user spending $1,000/month on groceries and gas can earn $300–$500 annually with 3%–5% category rewards. Many cards also include fraud alerts, virtual card numbers, and mobile wallet integration. These benefits make cash back cards a practical, low-maintenance choice for everyday American consumers.

What makes 0% intro APR cards particularly attractive for new U.S. credit card users?

0% intro APR cards allow users to finance large purchases or consolidate debt interest-free for up to 21 months, offering critical breathing room. A first-time cardholder spending $2,000 on essentials can repay it gradually without incurring $300+ in typical interest. These cards also help build credit with responsible use, reporting monthly to all three major bureaus. Additionally, many come with no annual fees and welcome bonuses of $100–$200, making them beginner-friendly.

Why are premium travel credit cards worth the high annual fee for frequent U.S. travelers?

Premium travel cards often carry fees of $395–$695 but offer benefits like $300 annual travel credits, airport lounge access (worth $500+ yearly), and 5X points on flights or hotels. For someone flying twice monthly, these perks can deliver over $1,000 in value annually. They also include trip cancellation insurance, lost luggage coverage, and exclusive hotel upgrades. These features cater specifically to high-spending, travel-savvy users seeking both comfort and ROI.

How do cashback cards differ in value between flat-rate and rotating category structures?

Flat-rate cards offer consistent rewards—usually 1.5% to 2% back on every purchase—ideal for users with balanced spending habits. In contrast, rotating category cards provide 5% back in specific categories like gas or groceries, but require activation and quarterly tracking. For a user spending $1,000/month, flat-rate cards yield $180–$240/year, while optimized rotating cards can exceed $300. However, the latter demands more effort and timing to maximize returns.

What makes secured credit cards a smart choice for U.S. users with no credit or poor credit history?

Secured cards require a refundable deposit—typically $200 to $500—which acts as the credit limit, minimizing risk for issuers while enabling users to build credit. About 62% of secured cardholders see a credit score increase of 100+ points within 12 months of responsible use. These cards often report to all three major credit bureaus and can be upgraded to unsecured cards after 6–12 months. They’re ideal for students, recent immigrants, or anyone rebuilding financial credibility.

How does the APR on credit cards impact long-term costs for users who occasionally carry a balance?

The average APR on U.S. credit cards ranges from 20.68% to 25.24%, which can significantly increase total repayment if a balance is carried monthly. For instance, carrying a $2,000 balance at a 22% APR over 12 months with minimum payments can result in over $400 in interest charges alone. Users with variable income or irregular payment cycles often overlook this cost. Strategically choosing low-interest or 0% intro APR cards can save hundreds annually for these segments.

Why do cashback credit cards remain a popular option for everyday spending among U.S. users?

Cashback cards offer direct monetary returns—typically 1% to 5%—on purchases like groceries, gas, or dining, aligning with the average U.S. household’s $5,700 monthly expenses. This can yield $500 to $1,200 in annual rewards, depending on usage and categories. Over 68% of American cardholders prefer cashback over points due to simplicity, transparency, and immediate utility. They’re especially favored by families, solo professionals, and budget-conscious users.

What should users consider when choosing between secured and unsecured credit cards for building credit?

Secured cards require an upfront deposit—usually $200 to $500—which acts as collateral and helps mitigate risk for lenders while building credit history. Unsecured cards don’t require a deposit but often come with higher APRs and stricter approval standards. Users with credit scores below 580 typically start with secured cards, which report to all three credit bureaus, making them ideal for credit rebuilding. Transitioning to unsecured cards usually happens within 6 to 12 months with consistent payments.

How do balance transfer credit cards help U.S. consumers manage high-interest debt effectively?

Balance transfer cards offer 0% APR for an introductory period—commonly 12 to 21 months—which allows users to pay off existing debts without accruing new interest. With the average American credit card APR crossing 22% in 2024, switching to a 0% APR card can save $1,000+ on a $5,000 balance. These cards are particularly beneficial for consolidating multiple debts and improving credit utilization ratios. However, they often charge a 3% to 5% transfer fee, which should be factored into the strategy.

Why do credit card approval odds vary significantly even among users with similar credit scores?

Approval depends not just on credit score but also on credit utilization ratio, recent inquiries, income level, and existing debt-to-income (DTI) ratio. For example, two users with a 700 FICO score may have vastly different chances if one has 20% utilization and low DTI, while the other has 80% utilization and multiple recent applications. Issuers like Chase and Amex also use proprietary internal scoring models beyond FICO, making approval more nuanced. Additionally, geographic location and card-specific risk tolerance (e.g., premium travel cards) influence outcomes.

How does applying for multiple credit cards in a short time frame affect long-term financial health?

Applying for several credit cards within a few months triggers multiple hard inquiries, which can drop your credit score by 5 to 10 points each and remain on your report for up to 2 years. It also raises red flags for issuers who may view it as credit-seeking behavior, reducing future approval odds. Furthermore, managing multiple new accounts can increase your average account age risk and impact your credit history length — a key factor in the FICO scoring model (15%). While strategic applications can boost total available credit, excessive applications often lead to denials and missed sign-up bonuses.

Can a credit card still benefit me if I don’t travel, dine out, or shop frequently?

Yes, even if you’re not a frequent spender, credit cards can offer strong benefits like cash back on utilities, streaming subscriptions, and gas — categories where average U.S. households spend over $3,500 annually. Many no-annual-fee cards offer flat-rate rewards of 1.5%–2% on all purchases, making everyday spending more rewarding. Additionally, responsible use improves your credit score, which affects everything from mortgage rates to rental applications. Plus, features like fraud protection and zero liability on unauthorized charges provide added financial security at no extra cost.