Best Credit Cards for Everyday Use of December 2024

The Capital One SavorOne Rewards Credit Card offers 5% Cash Back on hotels and rental cars booked through Capital One Travel. Earn 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores, and 1% on all other purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

The SavorOne Rewards Card doesn't charge an annual fee.

The Card has a 0% introductory APR period for 15 months on purchases and balance transfers. After that, the variable APR is 19.99% - 29.99%. The card has a balance transfer fee of 3%.

The Capital One Venture Rewards Credit Card offers rewards of 2 miles per dollar on every purchase, every day. Plus earn 5 miles on hotels, vacation rentals, and rental cars (booked through Capital One Travel).

The Capital One Venture Rewards Credit Card's APR: 19.99% - 29.99% (Variable). The card has an annual fee of $95. Balance transfer fee: 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.

Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more

Transfer your miles to your choice of 15+ travel loyalty programs.

The Quicksilver Credit Card from Capital One® offers 5% Cash Back on hotels and rental cars (booked through Capital One Travel), and 1.5% Cash Back on all purchases with a $0 annual fee. It also offers a 0% intro on purchases and balance transfers for 15 months, followed by the standard APR of 19.99% - 29.99% (Variable). The card has a balance transfer fee of 3%. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR (none for balances transferred at the Transfer APR).

New cardholders will have the opportunity to earn a bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

The QuicksilverOne Credit Card from Capital One earns 1.5% Cash Back on every purchase. The Card has an annual fee of $39.

The QuicksilverOne Card has an APR of 29.99% Variable. Balance Transfer Fee: 4% of the amount of each transferred balance that posts to your account. None for balances transferred at the Transfer APR.

The Capital One® Quicksilver Secured Cash Rewards Credit Card offers unlimited 5% Cash Back on hotel and rental car purchases through Capital One Travel, and 1.5% Cash Back on all purchases with a $0 annual fee.

The APR for purchases and balance transfers is 29.99 Variable. The Balance Transfer Fee: $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you.

The Capital One Quicksilver Student Cash Rewards Credit Card is a good option for earning Cash Back on general spending.

The Capital One Quicksilver Student Cash Rewards Credit Card has a high interest rate of 19.99% - 29.99% (variable APR). The Card has no annual fee and no foreign transaction fees. The card has a balance transfer fee of 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.

The Upgrade Cash Rewards Visa® offers 1.5% Cash Back on payments.

Earn a $200 Bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

The card's APR: 14.99% - 29.99% (Regular APR).

Relax knowing you’re protected against unauthorized transactions with Visa’s Zero Liability Policy.

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The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

Earn a $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*.

The card's APR: 14.99% - 29.99% (Regular APR).

Apply online and get a credit line from $500 to $25,000 with your Card.

Relax knowing you’re protected against unauthorized transactions with Visa’s Zero Liability Policy.

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The Applied Bank® Secured Visa® features a fixed-rate 9.99% APR on purchases.

The Applied Bank® Gold Preferred® Secured Visa® Card charges several fees in addition to the $48 annual fee. Fees include an up to $38 late payment fee, an up to $38 returned payment fee, a $30 stop payment fee, a $12.95 fee for each optional payment, a $30 fee for additional or replacement cards a $50 reinstatement fee, and a 3% foreign transaction fee.

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The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.

The Card earns 1% Cash Back rewards on payments.

The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 14.49% (Variable for purchases), 23.49% (Variable for cash advances).

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The Merrick Bank Secured Mastercard® credit card is a card designed for building or rebuilding credit. The cardholder’s initial credit line will be equal to the amount of their security deposit, which can be between $200 and $3,000.

The Annual Fee is $36 the first year. Billed $3 dollars per month thereafter.

The Card's APR is 22.95% Variable for purchases.

The Secured Mastercard® credit card reports to all three major credit bureaus.

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The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

The First Progress Platinum Select MasterCard® Secured Credit Card earns 1% Cash Back on payments made to your First Progress Secured credit card account.

The card's APR: 18.49% (Variable for Purchases), 24.49% (Variable for Cash Advances).

The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.

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The Destiny® Mastercard® is a good credit card for people with poor or no credit.

The Destiny® Mastercard® charges a high Regular APR of 35.90% and does not provide any intro APR offer.

The card charges an annual fee of $75 for the first year ($99 thereafter).

The Capital One® Spark Cash Plus Credit Card earns 5% Cash Back on hotels and rental cars booked through Capital One Travel and 2% Cash Back on every purchase.

The Card has no APR because your balance is due in full every month.

Earn $ 2,000 Cash Bonus once you spend $30,000 in the first 3 months. Earn an additional $2,000 bonus for every $500,000 spent in the first year.

The Card's annual fee is $150.

The Capital One Spark Cash Select for Excellent Credit earns a $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening. The Card offers 5% Cash Back on hotels and rental cars booked through Capital One Travel, 1.5% Cash Back for your business on every purchase.

The Capital One Spark Cash Select for Excellent Credit doesn't charge an annual fee.

The Card's APR is 18.49% - 24.49% Variable.

The Divvy Card is a corporate credit card.

The Divvy Card earns 1-7x rewards, but it doesn't offer a sign-up bonus.

Points can be redeemed for travel, gift cards, statement credits or cash back.

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The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (20.49% to 29.24% Variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

The card offers 5% back on travel booked through Chase, 3% Cash Back on restaurants and drugstore purchases and 1.5% back on other purchases.

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories. Earn $200 Cash Back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.

Earn 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.

The Citi® Double Cash offers a 0% percent introductory APR offer on balance transfers (19.24% to 29.24% variable APR after).

The Citi Double Cash extends a myriad of security and fraud protections.

The Amex EveryDay® Preferred Credit Card offers rewards at U.S. gas stations and U.S. supermarkets with its Membership Rewards points.

You’ll earn 15,000 points after spending $2,000 in the first 6 months. The card also has a 0% intro APR for 12 months on purchases and balance transfers, followed by an APR from 18.24% to 28.24% Variable after that.

With Return Protection, you may return eligible purchases to American Express® if the seller won't take them back up to 90 days from the date of purchase. American Express® may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Credit Card.

If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.

The Blue Cash Preferred® Credit Card provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services (select U.S. streaming subscriptions), and transit expenses. It has a $0 introductory annual fee for the first year, then $95.

The Blue Cash Preferred® Credit Card from American Express® offers a 0% introductory APR promotion. You’ll pay no interest on purchases and balance transfers for 12 months and then an APR of 18.74% - 29.74% Variable. The Blue Cash Preferred Credit Card's Penalty APR is 29.99%.

The Card also has 0% introductory plan fee on each purchase moved into a plan during the first 12 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

The Blue Cash Preferred® Credit Card has a welcome bonus where cardholders earn a $300 statement credit after spending $3,000 on the new card within the first six months of card membership.

The Blue Business® Plus Credit Card from American Express earns 15,000 Extra Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Plus, the card earns 2x Membership Rewards Points on first $50,000 each year (1x points thereafter).

The Blue Business® Plus Credit Card has no annual fee. The Card's APR: 0% Intro APR period on purchases for the first 12 months from the date of account opening, 18.49% - 26.49% Variable after that.

There is no annual fee for additional cards. Plus, when you add an additional Employee Card to your account, you earn Membership Rewards® points on their eligible purchases in addition to the points you earn on your own card.

The Blue Business® Plus Credit Card from American Express offers Car Rental Loss and Damage Insurance.

The American Express Blue Business Cash™ Credit Card earns 2% Cash Back up to $50,000 per year, then 1%. Cash back earned is automatically credited to your statement. The card has no annual fee.

Earn a $500 statement credit after you spend $8,000 in qualifying purchases on your Card within the first 3 months of Card Membership.

The American Express Blue Business Cash™ Credit Card offers 0% intro purchase APR (for the first 12 months from the date of account opening) and 18.49% to 26.49% variable APR. The card's Penalty APR is 29.99%.

Enjoy flexible buying power, when your business needs it. Expanded Buying Power gives you the freedom to spend beyond your credit limit and help get business done.

Get the most out of your Business Credit Card by adding Employee Cards. Earn rewards on employee eligible purchases, plus track employee spending with alerts and summary reports.

The Capital One VentureOne Credit Card offers 1.25x miles per dollar on every purchase, plus 5x miles per dollar on hotels and rental cars booked through Capital One Travel.

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening. The card also offers a 0% intro on purchases and balance transfers for 15 months, 19.99% - 29.99% variable APR applies after that.

The Card doesn't charge an annual fee. The card has a balance transfer fee of 3%. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR (none for transferred balances at the Purchase APR after the first 15 months that your account has been open).

The Chase Freedom Flex card offers Cash Back in a wide variety of categories.

You’ll earn 5% Cash Back on travel (through the Chase Ultimate Rewards travel service, and also for Lyft rides). You’ll also get 3% Cash Back on restaurant purchases, on drugstore purchases and 1% Cash Back on all other purchases.

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

The card offers a 15-month 0% annual percentage rate for purchases and balance transfers, after which the APR is 20.49% - 29.24% Variable. The card charges no annual fee but 5%, or a $5 minimum fee, on balance transfers.

The Ink Business Unlimited® Credit Card has an annual fee of $0 and offers an unlimited 1.5% cash back on all purchases. Plus, earn $750 bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening. Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

The Ink Business Unlimited® Card offers 0% intro APR for 12 months from account opening on purchases. After that, 18.49% - 24.49% (Variable). The card's Penalty APR is 29.99%. The card has a foreign transaction fee of 3% (each transaction in U.S. dollars).

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 60,000 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 22.49% to 29.49%.

My Chase PlanSM Fee is 1.72% (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

Earning rewards with the Chase Sapphire Reserve® Credit Card is very straightforward.

The card’s variable APR is 22.49% to 29.49%.

The Chase Sapphire Reserve® has a $550 annual fee.

New cardmembers can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

The Chase Sapphire Reserve® offers 10x total points on Chase Dining, 10x total points on hotels and car rentals (when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually), 5x total points on flights (when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually), 3x points on other travel worldwide (after the first $300 is spent on travel purchases annually), 3x points on other dining at restaurants, including eligible delivery services, takeout and dining out.

Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.

Cardmembers receive a $300 credit each card anniversary to be used toward travel. This credit is applied as a statement credit for travel purchases automatically. The card also offers a $100 statement credit every four years toward the Global Entry or TSA PreCheck® Fee.

The Ink Business Preferred® Credit Card from Chase is a good fit for business owners who spend a lot of money on travel, shipping, internet, cable and phone services, and advertising purchases.

Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,000 Cash Back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases. Redeem points for Cash Back, gift cards, travel and more – your points don’t expire as long as your account is open.

The card's APR: 21.24% to 26.24% (Variable).

The Ink Business Preferred® Credit Card's Penalty APR: up to 29.99%.

While the biggest fee is the $95 annual fee, there are also other fees to be aware of such as the late or returned payment fee of $39. Balance transfers are charged at $5 or 5 percent for each transfer, whichever is greater. Cash advances cost $15 or 5 percent, whichever is greater.

The Ink Business Preferred® Credit Card pays up to $600 per claim for damage or theft of cell phones for you and your employees when the bill is paid using your card. There’s a maximum of three claims in a 12-month period, and there is a $100 deductible for each claim.

Trip cancellation and interruption insurance reimburses you up to $5,000 per trip (including passenger fares, tours and hotels) when your trip is canceled due to sickness, severe weather conditions and other qualifying scenarios.

As part of the Visa network, the card is broadly accepted by merchants worldwide. It also doesn’t charge foreign transaction fees, which will save you money on your overseas purchases.