Best Credit Cards of October 2025:
Whether you’re looking for cash back, travel rewards, or no annual fee, our user-friendly tools and resources will empower you to choose the right credit card for your lifestyle. Start your journey to better spending today!
Chase Freedom Flex
Annual Fee:
$0.00
Rewards:
5% on rotating categories, 3% on dining and drugstores, 1% on all else
Notes:
Quarterly bonus categories, $200 sign-up bonus after spending $500 in the first 3 months.
on their website
Discover it® Cash Back
Annual Fee:
$0.00
Rewards:
5% on rotating categories, 1% on all else
Notes:
Cashback match for the first year, no annual fee, easy-to-use mobile app.
on their website
Capital One QuicksilverOne Cash Rewards
Annual Fee:
$0.00
Rewards:
1.5% on all purchases
Notes:
No annual fee, one-time $200 cash bonus after spending $500 in the first 3 months.
on their website
Citi Double Cash® Credit Card
Annual Fee:
$0.00
Rewards:
2% on all purchases (1% when you buy, 1% when you pay)
Notes:
No annual fee, great for everyday spending, flexible redemption options.
on their website
Additional Insights:
The Chase Freedom Flex® Credit Card offers a variety of cash back rewards, including 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter, and 3% on dining and drugstore purchases. New cardholders can earn a $200 bonus after spending $500 in the first three months, and there is no annual fee associated with the card. Additionally, it features a 0% intro APR for the first 15 months on purchases and balance transfers, making it a flexible option for managing expenses.
The Discover it® Cash Back Credit Card allows cardholders to earn 5% cash back on rotating categories each quarter, such as groceries and gas, up to a quarterly maximum, and 1% on all other purchases. New users benefit from a Cashback Match at the end of their first year, effectively doubling their cash back rewards with no limit. Additionally, there is no annual fee, and cash back rewards never expire, making it a flexible option for everyday spending.
The Capital One QuicksilverOne Cash Rewards Credit Card is designed for individuals with fair to average credit, offering 1.5% cash back on every purchase, with no annual fee. Cardholders can also benefit from a one-time cash bonus after spending a specified amount in the first three months. Additionally, it features no foreign transaction fees, making it a practical choice for both everyday spending and travel.
The Citi Double Cash® Credit Card offers a straightforward rewards structure, allowing cardholders to earn 2% cash back on every purchase—1% when you buy and an additional 1% when you pay. New cardholders can also receive a $200 cash back bonus after spending $1,500 in the first six months. Additionally, the card features a 0% introductory APR on balance transfers for the first 18 months, making it a flexible option for managing expenses.
These cards cater to different spending habits and preferences, so consider your own lifestyle when choosing the best one for you.
Citi Double Cash Card
Annual Fee:
$0.00
Cash Back:
2% on all purchases (1% when you buy, 1% when you pay)
Notes:
No annual fee, great for everyday spending, flexible redemption options.
on their website
Chase Freedom Flex
Annual Fee:
$0.00
Cash Back:
5% on rotating categories, 3% on dining and drugstores, 1% on all else
Notes:
Quarterly bonus categories, $200 sign-up bonus after spending $500 in the first 3 months.
on their website
Blue Cash Preferred Card from American Express
Annual Fee:
$95 (waived the first year)
Cash Back:
6% on groceries (up to $6,000/year), 3% on gas and transit, 1% on all else
Notes:
High rewards on groceries, $300 statement credit after spending $3,000 in the first 6 months.
on their website
Capital One Quicksilver Cash Rewards
Annual Fee:
$0.00
Cash Back:
1.5% on all purchases
Notes:
Simple cash back structure, no rotating categories, one-time $200 cash bonus after spending $500 in the first 3 months.
on their website
Additional Insights:
The Citi Double Cash® Credit Card offers a straightforward rewards structure, allowing cardholders to earn 2% cash back on every purchase—1% when you buy and an additional 1% when you pay. New cardholders can also receive a $200 cash back bonus after spending $1,500 in the first six months. Additionally, the card features a 0% introductory APR on balance transfers for the first 18 months, making it a flexible option for managing expenses.
The Chase Freedom Flex® Credit Card offers a variety of cash back rewards, including 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter, and 3% on dining and drugstore purchases. New cardholders can earn a $200 bonus after spending $500 in the first three months, and there is no annual fee associated with the card. Additionally, it features a 0% intro APR for the first 15 months on purchases and balance transfers, making it a flexible option for managing expenses.
The Blue Cash Preferred® Card from American Express offers cardholders 6% cash back on eligible purchases at U.S. supermarkets (up to $6,000 per year), 6% on select U.S. streaming subscriptions, and 3% on transit and gas purchases. New members can earn a $300 statement credit after spending $3,000 in the first three months, and there is an annual fee associated with the card. Additionally, it provides a 0% introductory APR on purchases and balance transfers for the first 12 months, making it a valuable option for those looking to maximize cash back rewards.
The Capital One Quicksilver Cash Rewards Credit Card provides 1.5% cash back on every purchase, making it a straightforward option for earning rewards without worrying about rotating categories. New cardholders can enjoy a one-time cash bonus after spending a specified amount in the first three months, and there is no annual fee associated with the card. Additionally, it features no foreign transaction fees, making it a practical choice for both everyday spending and travel.
These cards cater to different spending habits and preferences, so consider your own spending patterns when choosing the best one for you.
Chase Sapphire Reserve®
Annual Fee:
$550.00
Points Earned:
3x on dining, 3x on travel, 1x on all else
Notes:
125,000 bonus points after spending $6,000 in the first 3 months, $300 annual travel credit, premium travel benefits.
on their website
Chase Sapphire Preferred® Card
Annual Fee:
$95 (waived first year)
Points Earned:
2x on travel and dining, 1x on all else
Notes:
60,000 bonus points after spending $5,000 in the first 3 months, flexible point transfers to travel partners.
on their website
Capital One Venture X Rewards Card
Annual Fee:
$395.00
Points Earned:
2x on all purchases
Notes:
75,000 bonus miles after spending $4,000 in the first 3 months, $300 annual travel credit, access to airport lounges.
on their website
American Express® Gold Card
Annual Fee:
$250.00
Points Earned:
4x on dining, 3x on flights booked directly, 1x on all else
Notes:
60,000 Membership Rewards points after spending $4,000 in the first 3 months, dining credits, and flexible redemption options.
on their website
Additional Insights:
The Chase Sapphire Reserve® Credit Card offers premium travel rewards, including 3 points per dollar on travel and dining, and 1 point per dollar on all other purchases. New cardholders can earn a 100,000-point bonus after spending $4,000 in the first three months, which can be redeemed for $1,500 in travel through Chase Ultimate Rewards. Additionally, the card provides a $300 annual travel credit, access to airport lounges, and various travel protections, making it a top choice for frequent travelers.
The Chase Sapphire Preferred® Credit Card offers cardholders 2 points per dollar on travel and dining at restaurants, and 1 point per dollar on all other purchases. New members can earn a 60,000-point bonus after spending $4,000 in the first three months, which can be redeemed for $750 in travel through Chase Ultimate Rewards. Additionally, the card has a $95 annual fee and provides various travel protections, making it a strong choice for those who frequently travel and dine out.
The Capital One Venture X Rewards Credit Card offers 2 miles per dollar on all purchases and 5 miles per dollar on flights booked through Capital One Travel. New cardholders can earn a 75,000-mile bonus after spending $4,000 in the first three months, which can be redeemed for travel or other rewards. Additionally, the card features a $395 annual fee, but provides various travel perks, including access to airport lounges and a $300 annual travel credit, making it an attractive option for frequent travelers.
The American Express Gold Card offers cardholders 4 Membership Rewards® points per dollar spent at restaurants, including takeout and delivery, and 3 points per dollar on flights booked directly with airlines or on amextravel.com. New members can earn a 60,000-point welcome bonus after spending $4,000 in the first six months, which can be redeemed for travel or other rewards. Additionally, the card has a $250 annual fee and provides various dining and travel benefits, making it an appealing choice for foodies and frequent travelers.
These cards cater to different spending habits and preferences, so consider your own lifestyle and spending patterns when choosing the best one for you.
Capital One Venture Rewards Credit Card
Annual Fee:
$95.00
Points Earned:
2x miles on all purchases, 5x on hotels and rentals booked through Capital One Travel
Notes:
75,000 miles after spending $4,000 in the first 3 months, $120 credit for Global Entry or TSA PreCheck.
on their website
Chase Sapphire Preferred® Card
Annual Fee:
$95 (waived first year)
Points Earned:
2x on travel and dining, 5x on travel booked through Chase Travel
Notes:
75,000 bonus points after spending $5,000 in the first 3 months, 25% more value when redeeming for travel through Chase.
on their website
American Express® Gold Card
Annual Fee:
$250.00
Points Earned:
3x on dining, 3x on flights booked directly, 1x on all else
Notes:
Up to 100,000 Membership Rewards points after spending $6,000 in the first 6 months, dining credits.
on their website
Capital One Venture X Rewards Credit Card
Annual Fee:
$395.00
Points Earned:
10x on hotels and rental cars booked through Capital One Travel, 5x on flights
Notes:
75,000 bonus miles after spending $4,000 in the first 3 months, access to airport lounges, $300 annual travel credit.
on their website
Southwest Rapid Rewards® Priority Credit Card
Annual Fee:
$149.00
Points Earned:
2x on Southwest purchases, 1x on all else
Notes:
100,000 bonus points after spending $4,000 in the first 3 months, benefits like free checked bags.
on their website
Hilton Honors American Express Aspire Card
Annual Fee:
$450.00
Points Earned:
14x on Hilton purchases, 7x on flights, 3x on all else
Notes:
150,000 bonus points after spending $4,000 in the first 3 months, complimentary Diamond status.
on their website
Marriott Bonvoy Boundless® Credit Card
Annual Fee:
$95.00
Points Earned:
6x on Marriott purchases, 2x on all else
Notes:
100,000 bonus points after spending $3,000 in the first 3 months, free night award each year.
on their website
Delta SkyMiles® Gold American Express Card
Annual Fee:
$0.00 intro for the first year, then $99.00
Points Earned:
2x on Delta purchases, 1x on all else
Notes:
70,000 bonus miles after spending $2,000 in the first 3 months, first checked bag free.
on their website
Alaska Airlines Visa Signature® Credit Card
Annual Fee:
$95.00
Points Earned:
3x on Alaska Airlines purchases, 1x on all else
Notes:
40,000 bonus miles after spending $2,000 in the first 3 months, annual companion fare.
on their website
Additional Insights:
The Capital One Venture Rewards Credit Card allows cardholders to earn 2 miles per dollar on every purchase, making it a straightforward option for accumulating travel rewards. New members can receive a 60,000-mile bonus after spending $3,000 in the first three months, which can be redeemed for travel expenses. Additionally, the card has a $95 annual fee and offers various travel benefits, including no foreign transaction fees and access to travel accident insurance.
The Chase Sapphire Preferred® Credit Card offers cardholders 2 points per dollar on travel and dining at restaurants, and 1 point per dollar on all other purchases. New members can earn a 60,000-point bonus after spending $4,000 in the first three months, which can be redeemed for $750 in travel through Chase Ultimate Rewards. Additionally, the card has a $95 annual fee and provides various travel protections, making it a strong choice for those who frequently travel and dine out.
The American Express Gold Card offers cardholders 4 Membership Rewards® points per dollar spent at restaurants, including takeout and delivery, and 3 points per dollar on flights booked directly with airlines or on amextravel.com. New members can earn a 60,000-point welcome bonus after spending $4,000 in the first six months, which can be redeemed for travel or other rewards. Additionally, the card has a $250 annual fee and provides various dining and travel benefits, making it an appealing choice for foodies and frequent travelers.
The Capital One Venture X Rewards Credit Card offers 2 miles per dollar on all purchases and 5 miles per dollar on flights booked through Capital One Travel. New cardholders can earn a 75,000-mile bonus after spending $4,000 in the first three months, which can be redeemed for travel or other rewards. Additionally, the card features a $395 annual fee, but provides various travel perks, including access to airport lounges and a $300 annual travel credit, making it an attractive option for frequent travelers.
The Southwest Rapid Rewards® Priority Credit Card allows cardholders to earn 4 points per dollar on Southwest Airlines purchases and 2 points per dollar on gas and restaurant purchases. New members can earn a 100,000-point bonus after spending $4,000 in the first five months, which can be redeemed for flights and other rewards. Additionally, the card offers benefits such as a free first checked bag for the cardholder and up to eight additional passengers, along with 7,500 anniversary points each year, making it a valuable option for frequent Southwest travelers.
The Hilton Honors American Express Aspire Card offers cardholders 14X points on eligible purchases at Hilton hotels, 7X points on flights booked directly with airlines or on amextravel.com, and 3X points on all other purchases. New members can earn a 150,000-point welcome bonus after spending $4,000 in the first three months, which can be redeemed for hotel stays and other rewards. Additionally, the card features a $450 annual fee, but provides valuable benefits such as a $250 Hilton Resort Credit and complimentary Diamond status in the Hilton Honors program, enhancing the travel experience for frequent Hilton guests.
The Marriott Bonvoy Boundless® Credit Card offers a generous rewards program for travelers, allowing cardholders to earn up to 17X points per dollar spent at participating Marriott hotels. New members can earn three Free Night Awards after spending $3,000 in the first three months, with each award valued up to 50,000 points. Additionally, cardholders receive automatic Silver Elite Status, an annual Free Night Award, and various travel protections, making it a strong choice for frequent travelers.
The Delta SkyMiles® Gold American Express Card allows cardholders to earn 2X miles on Delta purchases, U.S. supermarkets, and restaurants, plus 1X mile on all other eligible purchases. New members can enjoy benefits such as a free first checked bag on Delta flights, 20% back on in-flight purchases, and no foreign transaction fees. Additionally, cardholders can receive a $200 Delta Flight Credit after spending $10,000 in a calendar year, enhancing their travel experience.
The Alaska Airlines Visa® Credit Card from Bank of America allows cardholders to earn 3X miles on Alaska Airlines purchases and 1X mile on all other purchases. New members can benefit from a 40,000-mile bonus after spending $2,000 in the first three months, which can be redeemed for flights and other rewards. Additionally, cardholders enjoy perks like a free checked bag on Alaska Airlines flights and no foreign transaction fees, enhancing their travel experience.
These cards cater to different travel preferences and spending habits, so consider your own travel patterns when choosing the best one for you.
Credit Card FAQ's:
What is a credit card? A credit card is a payment card that allows you to borrow money from a financial institution to make purchases, up to a certain limit.
How does a credit card work? When you use a credit card, you are borrowing money that you must pay back, usually with interest if not paid in full by the due date.
What is a credit limit? A credit limit is the maximum amount of money you can borrow on your credit card. It is determined by the card issuer based on your creditworthiness.
What is the difference between a credit card and a debit card? A credit card allows you to borrow money, while a debit card withdraws funds directly from your bank account.
What are interest rates on credit cards? Interest rates, or Annual Percentage Rates (APRs), are the costs of borrowing money on your credit card, expressed as a yearly rate. They can vary based on your credit score and the card issuer.
What is a minimum payment? The minimum payment is the smallest amount you can pay on your credit card bill to keep your account in good standing, usually a percentage of your balance.
What happens if I miss a payment? Missing a payment can result in late fees, increased interest rates, and a negative impact on your credit score.
How can I improve my credit score? To improve your credit score, pay your bills on time, keep your credit utilization low, and avoid opening too many new accounts at once.
What are rewards credit cards? Rewards credit cards offer benefits such as cash back, points, or travel miles for every dollar spent, incentivizing card usage.
How do I choose the right credit card? Consider factors like your spending habits, interest rates, fees, rewards programs, and any introductory offers when selecting a credit card.