8 Best Credit Cards to Know in 2025
There’s no single “best” credit card. The right one depends on how you spend and what you want back. Here are eight cards that stand out for their rewards, bonuses, and perks.
A solid choice for travel beginners and veterans. You get 100,000 bonus points after spending $5,000 in the first 3 months. Earn 5x points on travel booked through Chase, 3x on dining, streaming, and online groceries. Travel protections are solid. Annual fee is $95.
Good for travelers who want premium perks without the highest annual fee. You get 75,000 bonus miles after spending $4,000 in 3 months. Earn 10x miles on hotels and car rentals booked through Capital One Travel, 5x on flights and vacation rentals, and 2x on everything else. The $300 travel credit and lounge access help offset the $395 fee.
A luxury travel card. Current offer: up to 175,000 points after spending $8,000 in six months. Earn 5x points on flights and prepaid hotels. Comes with lounge access, elite hotel status, and up to $200 in annual credits. The $695 fee can be worth it if you use the perks.
Recently updated with a $795 annual fee. New credits include $300 dining, $300 entertainment, $300 travel, $250 Peloton, and $120 digital. If you can use all these, the card is a powerhouse. Otherwise it’s expensive.
Best for foodies. Earn 60,000 bonus points after spending $6,000 in six months. Get 4x points at restaurants worldwide and U.S. supermarkets (up to a cap), plus 3x on flights. The $325 annual fee pays for itself if you eat out or cook a lot.
A good mid-tier travel card. Earn 10x on hotels, car rentals, and attractions booked via Citi Travel; 3x on airfare, restaurants, groceries, gas, and EV charging; 1x on everything else. Welcome offer: 60,000 points after $4,000 in three months. Annual fee is $95.
Unique for renters. Earn 1x points on rent (up to 100,000 points per year) with no transaction fees. Also earn 3x on dining and 2x on travel. No annual fee. If you pay rent, this card turns a big expense into rewards.
For Hilton loyalists. Earn 175,000 points after spending $6,000 in six months. Get automatic Diamond elite status and up to three free-night awards each year. Also up to $400 in resort credits and $200 in airline fee credits annually. The $550 fee is steep but the benefits can cover it.
