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Discover the List of Credit Cards Trusted by Millions…

The US supermarket is home to different credit card brands, each serving diverse consumer needs. We have discovered the most loved credit cards used in the USA just for you; browse the list here:

List of Top 10 Most Used Credit Cards 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

Chase Sapphire Preferred® Card - Most used credit cards in the USA

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

Pros
  • ✔️ A good sign-up bonus                               
  • ✔️ Flexible redemption options                      
  • ✔️ Points transfer
  • ✔️ Chase pay over time
  • ✔️ No foreign transaction fee
  • ✔️ Car rental coverage
Cons
  • ❌ Has annual fee
  • ❌ Complicated reward structure

Capital One® Quicksilver® Cash Rewards Credit Card

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

Pros
  • ✔️  No foreign transaction fee
  • ✔️ No annual fee charges
  • ✔️ Generous APR
Cons
  • ❌ Less percentage of rewards
  • ❌ Required good credit

Discover it® Cash Back

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

Pros
  • ✔️ No annual fee
  • ✔️ Zero intro APR
  • ✔️ Cash rewards
  • ✔️ bonus categories
  • ✔️ No minimum cashback redemption
  • ✔️ No foreign transaction fees
Cons
  • ❌ 5% cashback is limited upo $1500
  • ❌ No traditional bonus offer 

American Express® Gold Card

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

Pros
  • ✔️ High signing bonus amount
  • ✔️ High reward rates on food and groceries
  • ✔️  No foreign transaction fee
  • ✔️ Users can earn upto $400 in statement credits every year 
  • ✔️ Car rental coverage
  • ✔️ Bag insurance plan
Cons
  • ❌ High annual fee
  • ❌ Best suited for food-enthusiastic  travelers 
  • ❌Not suited for people outside

Citi® Double Cash Card

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

Pros
  • ✔️  No annual fee
  • ✔️  No foreign transaction fee  
  • ✔️  Simple and high rewards rate 
  • ✔️  Low intro APR balance transfer fee
Cons
  • ❌ No sign-up bonus amount
  • ❌ not any attractive perks or benefits 

Chase Freedom Flex℠

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

Pros
  • ✔️  Generous cash back categories
  • ✔️  No annual fee
  • ✔️  Heavy benefits on dining and drug purchase 
  • ✔️Travel and purchase protection at no annual fee 
  • ✔️ Contactless card 
  • ✔️ Partner benefits from Doordash, Lyft, and others
Cons
  • ❌ Capped rewards on 5% categories 
  • ❌ Required to enroll in rotating categories each quarter

Bank of America® Travel Rewards Credit Card

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

Pros
  • ✔️   No foreign transaction fee
  • ✔️   Flexible rewards redemption option                     
  • ✔️   High rewards rate for travel and hotels 
  • ✔️   Intro APR period 
  • ✔️ Great signup bonus offer
Cons
  • ❌ Rewards are limited to fixed categories

Wells Fargo Active Cash® Card

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

Pros
  • ✔️   No annual fee, making it cost-effective
  • ✔️  Unlimited 2% cashback with no fixed categories
  • ✔️  0% intro APR for 15 months
  • ✔️  $200 signup bonus with a low fixed categories 
  • ✔️  High reward rates
  • ✔️ Rewards never expire
Cons
  • ❌ 3% foreign transaction fee
  • ❌ No bonus category
  • ❌ No extra travel benefits

Amex EveryDay® Credit Card

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, 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

Pros
  • ✔️  0% introductory APR
  • ✔️  No annual fee
  • ✔️ Equipped with travel, shopping & entertainment benefits 
  • ✔️ Budget-friendly with no annual fee
  • ✔️20% extra bonus amount after making extra 20 purchases
Cons
  • ❌ Foreign transaction fee applicable 
  • ❌ supermarket rewards are capped at $6000 per year

Blue Cash Preferred® Card from American Express

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

Pros
  • ✔️ High cash back rewards
  • ✔️ Generous sign up bonus
  • ✔️ Access to Amex offers and return protection
  • ✔️ Best for large groups and big families
  • ✔️ 0% intro APR makes it good for large transactions and debt
Cons
  • ❌ Need to pay an annual fee 
  • ❌ Require a good credit score 
  • ❌ Have some fixed bonus categories 

What is the #1 credit card to have?

The #1 credit card to have is the Wells Fargo Active Cash® Card. This card gives 2% cash rewards on purchases and has a $0 annual fee.

What are the easiest credit cards to get?

The easiest credit card to get is the OpenSky® Secured Visa® Credit Card or the Platinum Mastercard from Capital One.