The Money Ninja’s Recommended Credit Cards

Here are the best credit cards, hand-picked by the team at TheMoneyNinja.com. We spent countless hours finding the most valuable credit cards, so whether you’re looking to earn cash back, points and miles, or exclusive perks – we have you covered! Compare our top picks from our partners and choose the right one to maximize your finances.

Chase Sapphire Preferred® Card

on Chase's secure site

Image of Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

on Chase's secure site

4.8 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

4.8 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Rewards Rate

5x 5x on travel purchased through Chase Travel℠.
3x 3x on dining, select streaming services and online groceries.
2x 2x on all other travel purchases.
1x 1x on all other purchases.

Intro offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

- 5x 5x on travel purchased through Chase Travel℠.
- 3x 3x on dining, select streaming services and online groceries.
- 2x 2x on all other travel purchases.
- 1x 1x on all other purchases.
Additional features

Purchase intro APR

Balance transfer intro APR

The Platinum Card® from American Express

on American Express's secure site

Image of The Platinum Card® from American Express

The Platinum Card® from American Express

on American Express's secure site

4.8 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

See Rates & Fees , Terms Apply

See Rates & Fees , Terms Apply

4.8 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

See if you're pre‐qualified for this card with CardMatch™

See if you're pre‐qualified for this card with CardMatch™

Rewards Rate

5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Intro offer

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

- 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Additional features

Purchase intro APR

Balance transfer intro APR

Capital One Venture X Rewards Credit Card

on Capital One's secure site

Image of Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

on Capital One's secure site

5.0 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

See Rates & Fees

See Rates & Fees

5.0 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Rewards Rate

10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles 5 Miles per dollar on flights booked through Capital One Travel
2 Miles 2 Miles per dollar on every purchase, every day

Intro offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual fee

Recommended credit

Excellent (740 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

- 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
- 5 Miles 5 Miles per dollar on flights booked through Capital One Travel
- 2 Miles 2 Miles per dollar on every purchase, every day
Additional features

Purchase intro APR

Balance transfer intro APR

Chase Sapphire Reserve®

on Chase's secure site

Image of Chase Sapphire Reserve®

Chase Sapphire Reserve®

on Chase's secure site

5.0 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

5.0 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Rewards Rate

10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
5x Earn 5x total points on flights through Chase Travel℠.
3x Earn 3x points on other travel and dining.
1x Earn 1 point per $1 spent on all other purchases.

Intro offer

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 Travel℠.

Annual fee

Recommended credit

Excellent (740 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

- 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
- 5x Earn 5x total points on flights through Chase Travel℠.
- 3x Earn 3x points on other travel and dining.
- 1x Earn 1 point per $1 spent on all other purchases.
Additional features

Purchase intro APR

Balance transfer intro APR

American Express® Gold Card

on American Express's secure site

Image of American Express® Gold Card

American Express® Gold Card

on American Express's secure site

5.0 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

See Rates & Fees , Terms Apply

See Rates & Fees , Terms Apply

5.0 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

See if you're pre‐qualified for this card with CardMatch™

See if you're pre‐qualified for this card with CardMatch™

Rewards Rate

4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro offer

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

- 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
- 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Additional features

Purchase intro APR

Balance transfer intro APR

Capital One Quicksilver Cash Rewards Credit Card

on Capital One's secure site

Image of Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

on Capital One's secure site

3.8 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

See Rates & Fees

See Rates & Fees

3.8 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Rewards Rate

5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5% Earn unlimited 1.5% cash back on every purchase, every day

Intro offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Annual fee

Recommended credit

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

- 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 1.5% Earn unlimited 1.5% cash back on every purchase, every day
Additional features

Purchase intro APR

Balance transfer intro APR

Citi Premier® Card

on Citi's secure site

Image of Citi Premier® Card

Citi Premier® Card

on Citi's secure site

4.7 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

See Rates & Fees

See Rates & Fees

4.7 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Rewards Rate

3X Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
3X Earn 3 Points per $1 spent at Restaurants and Supermarkets
1X Earn 1 Point per $1 spent on all other purchases

Intro offer

Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Annual fee

Recommended credit

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

- 3X Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
- 3X Earn 3 Points per $1 spent at Restaurants and Supermarkets
- 1X Earn 1 Point per $1 spent on all other purchases
Additional features

Purchase intro APR

Balance transfer intro APR

Blue Cash Preferred® Card from American Express

on American Express's secure site

Image of Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

on American Express's secure site

4.4 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

See Rates & Fees , Terms Apply

See Rates & Fees , Terms Apply

4.4 Bankrate review

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

See if you're pre‐qualified for this card with CardMatch™

See if you're pre‐qualified for this card with CardMatch™

Rewards Rate

6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% 6% Cash Back on select U.S. streaming subscriptions.
3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3% 3% Cash Back at U.S. gas stations
1% 1% Cash Back on other purchases

Intro offer

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

- 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% 6% Cash Back on select U.S. streaming subscriptions.
- 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 3% 3% Cash Back at U.S. gas stations
- 1% 1% Cash Back on other purchases
Additional features

Purchase intro APR

Balance transfer intro APR