Summer is the perfect time to stock your wallet with a credit card that fits your travel habits and plans. Whether you're hitting the road or staying put, the best summer 2025 credit cards offer benefits like cash back, travel rewards and generous sign-up bonuses.
First Progress Platinum Prestige Mastercard® Secured Credit Card - Best Credit Card for No history/Poor Credit of June 2025
The First Progress Platinum Prestige Mastercard® Secured Credit Card is designed for individuals with limited or no credit history who want to start building their credit.
Cardholders earn 1% cash back on every payment made.
The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The Card's APR is 14.24% (Variable for purchases).
Citi Double Cash® Card - Best Credit Card for Fair Credit of June 2025
If your credit history ranges from fair to good, the Citi Double Cash® Card is a great option. It offers a flat 2% cashback - 1% when you make a purchase and another 1% when you redeem it. With no annual fee and a 0% introductory rate on balance transfers for 15 months (then a variable rate is introduced), this card is especially attractive to those looking to manage or consolidate existing debt.
Chase Sapphire Preferred® - Best Credit Card for Good Credit of June 2025
The Chase Sapphire Preferred® Credit Card offers 5x points on travel (purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit), 3x on dining, online grocery purchases and select streaming services, 2x on travel.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
The Chase Sapphire Preferred® has a $95 annual fee. The card’s variable APR is 19.99% - 28.24%.
American Express® Gold Card - Best Credit Card for Excellent Credit of June 2025
The American Express® Gold Credit Card comes with a $250 annual fee. It rewards cardholders generously with 4x Membership Rewards® points on dining (including restaurants worldwide, takeout, and delivery in the U.S.) and on groceries at U.S. supermarkets (up to $25,000 in purchases per calendar year). You’ll also earn 3x points on flights booked directly with airlines or through AmexTravel.com, and 1x points on all other purchases.
The Card's variable APR is 20.74% - 28.74%.
There are no foreign transaction fees with this travel card.
Key Considerations When Choosing a Credit Card in June 2025
- Interest Rates (APR). Choose cards with low Annual Percentage Rates (APR) on purchases and balance transfers to reduce interest costs.
- Rewards Programs. Compare cards that offer cashback, points, or travel miles, and pick one that matches your spending habits and lifestyle.
- Fees. Review annual, late payment, foreign transaction, and other potential fees. Favor cards with low or no fees where possible.
- Credit Limit. Make sure the credit limit suits your regular spending and is aligned with your credit profile.
- Introductory Offers. Look for promotional offers like 0% APR for a limited time on purchases or transfers to maximize savings.
- Credit Score Requirements. Confirm your eligibility by checking the minimum credit score needed for the card you’re considering.
- Cardholder Benefits. Explore perks such as travel insurance, extended warranties, return protection, and concierge services.
- Security Features. Select cards with strong security protocols like EMV chips, two-factor authentication, and real-time fraud alerts.
- Payment Flexibility. Evaluate grace periods, late payment penalties, and the convenience of managing payments online or via mobile apps.
- Network Acceptance. Opt for a card with broad acceptance both in your country and abroad to avoid limitations while shopping or traveling.
- Customer Support. Check reviews or ratings for the issuer’s customer service to ensure reliable help when you need it.
Conclusion
This summer's best credit cards offer solid rewards, valuable perks and seasonal perks perfect for travel and everyday spending. Choose one that fits your lifestyle to maximize the benefits of summer shopping.