List of 10 Best Credit Cards for 2025
We selected the top credit cards for 2025 by analyzing bonuses, rewards, perks, and key features. These picks help you maximize rewards, upgrade travel, and enhance shopping and dining experiences!
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🔸 Choice Privileges® Select Mastercard®: best for Choice Hotel loyalists and 5x on gas, grocery, and home improvement
🔸 Reflect®: longest 0% APR intro period on purchases and balance transfers
🔸 Freedom Flex®: best for up to 5% cashback on rotating quarterly bonus categories + 0% intro APR
🔸 Customized Cash Rewards: our pick for flexible cashback + 0% intro APR for 15 months
🔸 Amazon Visa: best for regular Amazon and Whole Foods shoppers
🔸 Travel Rewards for Students: best student travel card with 0% intro APR and a big sign-up bonus
🔸 Bilt Mastercard®: best for paying rent without a transaction fee, dining, and travel benefits
🔸 Sapphire Reserve®: best-rated premium travel card with unlimited airport lounge access, up to 10x points on travel and dining, and a sign-up bonus
🔸 Signify Business Cash℠: best for 2% unlimited cashback on all purchases and a generous welcome bonus
🔸 Freedom Unlimited®: best for up to 5% cashback on travel, 0% intro APR, and sign-up bonus
Choice Privileges® Select Mastercard®
Why we picked it: The Choice Privileges® Select Mastercard® is a travel rewards card designed for frequent Choice Hotels® guests. You will earn 10x points on stays at Choice Hotels® and 5x points on gas, groceries, home improvement, and phone plan services. You will receive 30,000 bonus points annually, which can be redeemed for up to three reward nights. This card offers a generous welcome bonus, Choice Platinum Elite status, and valuable travel benefits, including Global Entry® or TSA PreCheck® credit, rental car coverage, no foreign transaction fees, trip cancellation/interruption insurance, lost luggage reimbursement, and travel accident insurance. Additionally, it includes cell phone protection against damage or theft when you pay your monthly cell phone bill with the card.
✅ Pros:
- No foreign transaction fee
- Generous sign-up bonus
- Great rewards (10x points) on Choice Hotels®
- 5x points on gas, grocery, home improvement, and phone plan services
- 30,000 bonus points every year
- Choice Platinum Elite status
- Global Entry® or TSA PreCheck®
- Rental car coverage
- Travel protection
- Cell phone protection
❌ Cons:
- $95 annual fee
- No introductory 0% APR
- No purchase protection
Choice Privileges® Select Mastercard®
On Wells Fargo's Secure Website
Annual fee:
$95
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.99% - 29.24% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn 10x points on stays at participating Choice Hotels® properties and on Choice Privileges point purchases. Earn 5x points at gas stations, grocery stores, home improvement stores and phone plan services. Earn 1x on all other purchases.
1x - 10x Points
Welcome Offer Earn 60,000 bonus points after spending $3,000 in the first 3 months - enough to redeem for up to 7 reward nights at Choice Hotels®.
60,000 Points
Wells Fargo Reflect®
Why we picked it: The Wells Fargo Reflect® Credit Card is our top choice for those seeking a long introductory APR offer. It provides 21 months of 0% intro APR on purchases and qualifying balance transfers, making it ideal for managing large expenses or consolidating debt. The card has no annual fee and includes benefits such as cell phone protection when you pay your phone bill with the card and rental car coverage. While it does not offer rewards, the extended APR period and practical benefits make it a great option for those prioritizing low-interest solutions and financial flexibility.
✅ Pros:
- No annual fee
- Simplicity
- Introductory 0% APR on purchases and balance transfer
- Rental car coverage
- Cell phone protection
❌ Cons:
- Foreign transaction fee
- No sign-up bonus
- No rewards
- No purchase protection
Reflect®
On Wells Fargo's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 21 months
Balance Transfers: 0%, 21 months
Regular APR
17.24% - 28.99% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards N/A
N/A
Welcome Offer N/A
N/A
Chase Freedom Flex®
Why we picked it: You will earn 5% cashback on quarterly bonus categories with no annual fee. Increased earnings on dining and drugstores (3% cashback), and Chase Travel℠ (5% cashback). It offers a generous welcome bonus and a long introductory 0% APR on purchases and balance transfers. It covers your cell phone and new purchases against damage or theft and extends the manufacturer’s warranty by one additional year. Additionally, it provides rental car coverage and trip cancellation/interruption insurance.
✅ Pros:
- No annual fee
- Introductory 0% APR on purchases and balance transfer
- Generous welcome offer
- 5% cashback on quarterly bonus categories
- 5% cashback on Chase Travel℠
- Unlimited 3% cashback on dining and drugstores
- Rental car coverage
- Trip cancellation/interruption insurance
- Cell phone protection
- Purchase protection
- Extended warranty
❌ Cons:
- Foreign transaction fee
- 5% bonus category has a spending limit of $1,500 in combined purchases each quarter
- 5% quarterly bonus categories require activation
Freedom Flex®
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
19.49% - 28.24% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time℠
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on different categories like gas stations, grocery stores (excluding Target® and Walmart®), and select online merchants on up to $1,500 in total combined purchases each quarter you activate, 5% on travel purchased through Chase Travel, 3% on dining and drugstore purchases, plus 1% on all other purchases.
1% - 5% Cashback
Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.
$200
Bank of America® Customized Cash Rewards
Why we picked it: You will earn 3% cashback in the category of your choice with no annual fee. Increased earnings on grocery and wholesale clubs (2% cashback). It offers a $200 welcome bonus and 15 months of 0% APR on purchases and balance transfers.
✅ Pros:
- No annual fee
- Introductory 0% APR on purchases and balance transfer
- Sign-up bonus
- 3% cashback in the category of your choice
- You can change the choice category once every month
- 25% - 75% more cashback for Preferred Rewards® members
❌ Cons:
- Foreign transaction fee
- The 3% and 2% cashback has a spending limit of $2,500 in combined purchases each quarter
Customized Cash Rewards
On Bank of America's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles
Regular APR
18.49% - 28.49% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3% cashback in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 2% cashback at grocery stores and wholesale clubs. You will earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Earn 1% cashback on all other purchases.
1% - 5.25% Cashback
Welcome Offer Earn a $200 bonus after spending $1,000 in the first 90 days of account opening.
$200
Amazon Visa
Why we picked it: You will earn unlimited 3% cashback on Amazon.com and Whole Foods Market. Increased earnings on dining at restaurants, gas stations, local transit and commuting (2% cashback), and travel booked through Chase Travel℠ (3% cashback). Plus, get a $50 Amazon Gift Card instantly upon approval, with no foreign transaction fees. The card protects your purchases against damage or theft and extends the manufacturer’s warranty by one additional year. Standout travel benefits include auto rental collision coverage, baggage delay insurance, lost luggage reimbursement, and travel accident insurance.
✅ Pros:
- No annual fee
- Amazon Prime membership is not required
- No foreign transaction fee
- Instant sign-up bonus
- Unlimited 3% cashback on Amazon and Whole Foods
- Unlimited 3% cashback on travel booked through Chase Travel℠
- Rental car coverage
- Great travel benefits such as baggage delay insurance, lost luggage reimbursement, and travel accident insurance
- Purchase protection
- Extended warranty
❌ Cons:
- To unlock the higher rewards rate (5% back), you need an Amazon Prime membership
- No premium travel benefits like airport lounge access, travel-related credits, Global Entry® or TSA PreCheck®.
Amazon Visa
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.49% - 28.24% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time℠
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, on local transit and commuting. Earn 1% cashback on all other purchases.
1% - 3% Cashback
Welcome Offer Earn a $50 Amazon Gift Card instantly upon approval.
$50 Amazon Gift Card
Bank of America® Travel Rewards for Students
Why we picked it: You will earn unlimited 1.5x points on all purchases, with no annual fee. It includes a generous welcome bonus and a long introductory 0% APR on purchases and balance transfers. With no foreign transaction fees, it is an excellent choice for students studying abroad or traveling internationally. Additionally, its straightforward rewards program and credit-building potential make it ideal for students looking to establish or improve their credit.
✅ Pros:
- No annual fee
- No foreign transaction fee
- Introductory 0% APR on purchases and balance transfer
- Generous sign-up bonus
- Unlimited 1.5x points on all purchases
❌ Cons:
- No bonus categories
- Very limited benefits
Travel Rewards for Students
On Bank of America's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles
Regular APR
18.49% - 28.49% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
New To Credit
Rewards Earn 1.5x points per $1 spent on all purchases.
1.5x Points
Welcome Offer Earn 25,000 bonus points when you spend $1,000 on purchases within the first 90 days of opening your account. These points can be redeemed for a $250 statement credit toward travel and dining purchases.
25,000 Points
Bilt Mastercard®
Why we picked it: The Bilt Mastercard® is the first and the only credit card to let you pay rent without a transaction fee and offers rewards for paying rent. You will earn 1x on rent, 2x on travel, 3x on dining. Plus, double points on the 1st of each month (except rent). This no-annual-fee card offers excellent travel benefits such as primary rental car coverage, no foreign transaction fee, trip cancellation/interruption insurance, and trip delay reimbursement. Additionally, it provides cell phone protection and covers new purchases against damage or theft.
✅ Pros:
- No annual fee
- No foreign transaction fee
- Double points on the 1st of each month
- Rent payment with no transaction fee
- 1x points on rent payment
- 3x points on dining
- 1:1 point transfer to travel partners
- Primary rental car coverage
- Excellent travel benefits, including trip cancellation/interruption insurance and trip delay reimbursement
- Cell phone protection
- Purchase protection
❌ Cons:
- No sign-up bonus
- No introductory 0% APR
- High regular APR
- 100,000 point limit for 1x points on rent each calendar year
- Must complete at least five transactions per statement period to earn points
Bilt Mastercard®
On Wells Fargo's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.49% - 28.49% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3x points on dining, 2x points on travel, 1x points on rent payments without the transaction fee (up to 100,000 points each calendar year), and 1x points on all other purchases. Enjoy double points on the 1st of each month and earn 6x points on dining, 4x points on travel, and 2x points on all other purchases (except rent) up to 10,000 points per month. Note: You will earn points and double points on the 1st of each month when you make 5 transactions that post each statement period. If you do not make at least 5 transactions that post to your account in a statement period, you'll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App.
1x - 6x Points
Welcome Offer N/A
N/A
Chase Sapphire Reserve®
Why we picked it: The Chase Sapphire Reserve® is a premium-level credit card with elevated rewards on travel and dining. You will earn up to 10x points on travel and dining, receive a $300 annual travel credit, and get 50% more value when you redeem your points for travel through Chase Travel℠. The card offers a generous welcome bonus for new customers and excellent travel benefits and perks such as unlimited airport lounge access, primary rental car coverage, no foreign transaction fee, trip cancellation/interruption insurance, trip delay reimbursement, lost luggage reimbursement, baggage delay insurance, and many more. Additionally, it covers your new purchases against damage or theft, provides return protection, and extends the manufacturer’s warranty by one additional year.
✅ Pros:
- No foreign transaction fee
- Generous sign-up bonus
- Great rewards (up to 10x points) on travel and dining
- Unlimited airport lounge access
- $300 annual travel credit
- Global Entry®, TSA PreCheck®, or NEXUS
- 50% more points value if redeemed for travel booked through Chase Travel℠
- Primary rental car coverage
- Standout travel benefits and perks
- 1:1 point transfer to travel partners
- Purchase and return protection
- Extended Warranty
❌ Cons:
- High annual fee
- Requires excellent credit
- $75 annual fee for each authorized user
- No introductory 0% APR
- High regular APR
Sapphire Reserve®
On Chase's Secure Website
Annual fee:
$550
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.49% - 28.49% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time℠
Credit Score
740-850 (Excellent)
Rewards Earn 10x points on hotels (excluding The Edit℠) and car rentals purchased through Chase Travel after spending $300 on travel annually. Earn 5x points on flights purchased through Chase Travel after spending $300 on travel annually. Earn 3x points on other travel purchases after spending $300 on travel annually. Earn 10x points on Chase Dining purchases and 3x points on other dining purchases. Earn 1x points on all other purchases.
1x - 10x Points
Welcome Offer Earn 60,000 bonus points after spending $4,000 on purchases in the first three months. That's worth $900 when redeemed for travel through Chase Travel or $600 for cash.
60,000 Points
Signify Business Cash℠ Card
Why we picked it: You will earn unlimited 2% cashback on all purchases with no annual fee, providing exceptional value for everyday spending. The card offers a generous welcome bonus of $500 after meeting the spending requirement and includes a 12-month introductory 0% APR on purchases. Additionally, it provides valuable travel benefits such as baggage delay reimbursement, travel accident insurance, and rental car coverage.
✅ Pros:
- No annual fee
- Simplicity
- Unlimited 2% cashback on all purchases
- Introductory 0% APR on purchases
- Sign-up bonus
- Travel benefits, including baggage delay reimbursement and travel accident insurance
- Rental car coverage
- Employee cards at no additional cost
❌ Cons:
- Foreign transaction fee
- No bonus categories
Signify Business Cash℠
On Wells Fargo's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 12 months
Balance Transfers: N/A
Regular APR
17.49% - 25.49% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn 2% unlimited cashback on purchases made for your business, with no categories to track or quarterly activations.
2% Cashback
Welcome Offer Earn a $500 cash rewards bonus when you spend $5,000 on purchases in the first 3 months.
$500
Chase Freedom Unlimited®
Why we picked it: You will earn unlimited 1.5% flat-rate cashback on all purchases with no annual fee. Increased earnings on dining and drugstores (3% cashback) and travel booked through Chase Travel℠ (5% cashback). Plus, it offers a generous welcome bonus and a long introductory 0% APR on purchases and balance transfers. The card also covers new purchases against damage or theft and extends the manufacturer’s warranty by one year.
✅ Pros:
- No annual fee
- Introductory 0% APR on purchases and balance transfer
- Generous welcome offer
- Unlimited 5% cashback on travel booked through Chase Travel℠
- Unlimited 3% cashback on dining and drugstores
- Unlimited 1.5% cashback on all purchases
- Rental car coverage
- Trip cancellation/interruption insurance
- Purchase protection
- Extended warranty
❌ Cons:
- Foreign transaction fee
- No bonus categories
Freedom Unlimited®
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
19.49% - 28.24% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time℠
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on travel purchased through Chase Travel℠. Earn 3% cashback on drugstores and dining. Earn 1.5% cashback on all other purchases.
1.5% - 5% Cashback
Welcome Offer Earn a $250 bonus after spending $500 in the first 3 months.
$250
Looking for more?
With so many options available, it is important to do your own research to choose the best credit card for your individual needs. To find the credit card that best suits you, be sure to check our website for:
Best credit cards for Balance Transfer
Best credit cards for Sign-up Bonus
Best credit cards for Students
Best credit cards for Cash Back
Best credit cards for Online Shopping
Best credit cards with No Foreign Transaction Fee
The information about the credit cards has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.