10 Most Valuable Credit Cards to Consider

There are many credit cards out there, each offering different perks and rewards. This can make it hard to figure out which ones are the best. They vary in how you earn rewards, what kind of rewards you get, and the rules for using them. Choosing the wrong card means you might miss out on some great benefits and even cash. So, here’s a list of our top 10 rewards credit cards to consider.

**Chase Sapphire Preferred Card**
The Chase Sapphire Preferred Card is popular for its great reward rates and flexible redemption options. It’s perfect for people who spend a lot on travel and dining and comes with a manageable annual fee. Its highlights include a big sign-up bonus, multiple redemption choices, and great travel perks.

*Pros:*
– High rewards on several spending categories
– Lots of travel and shopping protections

*Cons:*
– Annual fee
– No introductory APR offer

**American Express Platinum Card**
The American Express Platinum Card is ideal for frequent travelers who enjoy luxury. It offers top-notch travel perks, airport lounge access, and various rewards like Membership Rewards points.

*Pros:*
– Bonus categories
– Transfer partners
– Luxury perks

*Cons:*
– $695 annual fee
– Complex rewards system
– Requires good/excellent credit

**Capital One Venture Rewards Credit Card**
The Capital One Venture Card is a great travel card that gives 2 to 5 miles per dollar spent and a hefty starting bonus. Its straightforward rewards system competes well with other premium cards.

*Pros:*
– Lower annual fee compared to similar cards
– Annual travel credits and anniversary miles
– Simple earning and using of miles

*Cons:*
– No domestic airline or high-end hotel partners
– No hotel status benefits

**Citi Premier Card**
The Citi Premier® Card stands out for earning rewards on non-travel spending. It offers multiple points on air travel and hotels, plus in popular areas like dining, groceries, and gas.

*Pros:*
– Bonus categories
– Rewards don’t expire

*Cons:*
– Annual fee
– Requires good/excellent credit

**Discover It Cash Back**
The Discover It Cash Back card is great for moderate spenders who like 5% rotating categories and keep track of spending caps. It has no annual fee and a 1% earning rate on all other purchases.

*Pros:*
– 5% cash back in quarterly categories (activation needed)
– Automatic match of first year’s cash back
– No minimum for cashback redemption

*Cons:*
– 5% bonus capped at $1500 per quarter
– Quarterly activation needed for bonus categories
– 1% base reward rate

**Bank of America Premium Rewards Credit Card**
This card suits travelers looking for flexible rewards, especially if they bank with Bank of America. It offers a solid rewards program, airline fee credits, and travel perks.

*Pros:*
– Sign-up bonus
– More points on travel and dining
– Premium travel protection

*Cons:*
– Annual fee
– Requires good/excellent credit

**Wells Fargo Active Cash Card**
The Wells Fargo Active Cash card is excellent for cash back, offering a 2% rate on all purchases with no annual fee.

*Pros:*
– High rewards rate
– No annual fee
– Intro APR period

*Cons:*
– No bonus categories

**Hilton Honors American Express Surpass Card**
Great for Hilton fans, this card offers many points on Hilton purchases and other benefits. It suits big spenders who like Hilton, offering perks like free hotel stays.

*Pros:*
– Over $600 in yearly statement credits
– Free reward night with no category limits

*Cons:*
– High annual fee with no first-year waiver
– High regular and penalty APR
– Lower point value than other programs

**Chase Freedom Unlimited**
The Chase Freedom Unlimited provides easy cash back with a flat rate and no annual fee. It offers useful bonus categories and an appealing welcome offer.

*Pros:*
– No annual fee
– Intro APR period
– High rewards rate

*Cons:*
– Requires good/excellent credit

**Southwest Rapid Rewards Premier Credit Card**
Perfect for Southwest Airlines fans, this card offers benefits like bonus points and anniversary bonuses. Its $75 annual Southwest travel credit and ability to earn qualifying points make its fee worth it.

*Pros:*
– No foreign transaction fee
– Points count towards A-list status
– Unlimited reward seats, no blackout dates

*Cons:*
– Higher regular APR
– No introductory APR
– Annual fee

**Final Thoughts**
Before picking a credit card, consider your spending habits, travel preferences, and financial goals. Make sure to check the latest details on the card issuer’s website since rewards and terms might change.