I use all my cards tbh. Some more than others, but all used. -Discover IT is great for the rotating 5% categories. Especially when they’re restaurants, wholesale clubs (I do my grocery shopping at Walmart), and Amazon. -Apple Card is basically at 2% catch all that allows you to do interest free financing on apple products and gives you the ability to use apple’s savings. -Citibank Double Cash is another 2% catch all with less perks than Apple, but I use when Apple Pay isn’t accepted. -Wells Fargo Autograph is great for travel and gas (3x points). And now their points are 1:1 with Jetblue. -Chase Sapphire Preferred opens up the exporting of points from Chase and gets 3X points on dining. Chase absolutely has the best partners, so I’m even considering a Chase FU for an upcoming $$$ purchase. Answer from Dogmama1230 on reddit.com
Credit Karma
creditkarma.com › credit-cards › good-credit
Best Credit Cards for Good Credit for January 2026
2 weeks ago - Credit card issuers rarely indicate which credit scores are most likely to qualify for which cards. To help your search, we picked our best credit cards for good credit by identifying cards that make it clear they’re available to people who fall within that score band.
U.S. News
money.usnews.com › home › credit cards › best credit cards for good credit of december 2025
Best Credit Cards for Good Credit of December 2025 | U.S. News
April 24, 2023 - IHG One Rewards Traveler Credit Card: Best feature: Bonus points at IHG hotels. If you have a FICO score of 670 to 739, then you have a good credit score. Good credit opens the door to credit cards with better benefits, lower fees and decent rewards. However, you may not qualify for the lowest possible interest rates without excellent credit.
What credit cards are you actually keeping long-term, and why?
I use all my cards tbh. Some more than others, but all used. -Discover IT is great for the rotating 5% categories. Especially when they’re restaurants, wholesale clubs (I do my grocery shopping at Walmart), and Amazon. -Apple Card is basically at 2% catch all that allows you to do interest free financing on apple products and gives you the ability to use apple’s savings. -Citibank Double Cash is another 2% catch all with less perks than Apple, but I use when Apple Pay isn’t accepted. -Wells Fargo Autograph is great for travel and gas (3x points). And now their points are 1:1 with Jetblue. -Chase Sapphire Preferred opens up the exporting of points from Chase and gets 3X points on dining. Chase absolutely has the best partners, so I’m even considering a Chase FU for an upcoming $$$ purchase. More on reddit.com
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November 8, 2025Recommendations on credit cards
There are 3 major credit card issuers tthat will earn you the best value for travelling with points and miles. Choose one of the issuers and combine points. Or you can start your journey with multiple of them. CHASE - This is hands down, one of the best credit card issuer and their credit card set up is easy to follow and also called as Chase trifecta in the industry. Here's how I would go about getting these cards: I would say start with Chase Freedom Flex which gives you 5% in rotating quarterly categories (dining, gas, grocery, amazon, etc) And then get Chase Freedome Unlimited which would give you 1.5% on every pther purchase. Both of them comes with a sign up bonus of $200 (equals to 20,000 chase points) after spending $500. Currently, Freedom unlimited has an offer of 25,000 points or $250. Do not spend these points on cashback and try to save them better value with my next suggestion. Finally get a annual fee credit card called Chase Saphhire Preferred ($95) or Chase Saphhire Reserve ($550). They have a standard sign up bonus of 60,000 points but I have seen offers upto 80,000 points. They provide a statement credit of $50 and $250 respectively towards travel to offset the annual fee. You can combine the points on your other cards to this premium card and spend them on travelling. It will be a total of (20,000+20,000+60,000) 100,000 points. So now, if you have the Chase Sapphire preferred, your 100,000 points are worth $1,250 towards travel (1.25 cent = 1 point). If you have Chase sapphire reserve, your 100,000 points are worth $1,500 towards travel (1.5 cent = 1 point). You can also make more value out of them by transferring them to airlines or hotels like Hyatt. These points figures above are just purely from sign up bonus. You will be earning more from using right credit card according to their spending categories and making even more points. That would be a lot of travellinf and great value. If you want to know more about American Express and Capital One card setup. Lmk, I can write a similar reply for them too. Capital One has a real good and almost one of the most best-value card set up if you want to travel more. Amex is awesome too, but I just place them down because of their high annual fees. But, you can still make a good value out of them despite the big sticker price. More on reddit.com
24
9
December 1, 2024Best credit cards for 800+ credit scores?
I keep things simple … no fee 2% cash back card. I find rotating cards for specific spending not worth my time. And it is really difficult for the average person to recoup credit card fees unless they are in a special situation (like high business spend on your own personal card). More on reddit.com
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9
July 11, 2024Best Overall Credit Cards Today
No card is one size fits all. People have different spending habits and goals. For cash back you definitely have a lot more choices for lenders. For those who want to travel, there are only ~6 lenders that are worth a look (in my opinion). More on reddit.com
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76
April 2, 2024Do store cards make good beginner credit cards?
A store card can help you build credit, but this type of card often has higher interest rates than general-use credit cards. The Amazon Prime Secured Card* could be worth considering for those who often shop at Amazon.com. It earns 2% back at Amazon.com, Amazon Fresh and more for eligible Prime members, non members do not currently earn rewards with this card. It also has a lower-than-average 10.00% fixed rate APR on purchases.
forbes.com
forbes.com › advisor › credit-cards › best › first-credit-card
Best Beginner Credit Cards To Build Credit – Forbes Advisor
What’s the difference between a beginner card and a card for bad credit?
While a beginner credit card is designed for people new to credit, a credit card for bad credit is tailored to those with damaged credit scores looking to rebuild. Cards for those with bad credit (under 580 in the FICO scoring model), tend to have less favorable terms and rewards than starter credit cards. While both types of cards can help you build credit, a beginner card should be your preferred choice if you don’t have a negative credit history that could stand in the way of your approval.
forbes.com
forbes.com › advisor › credit-cards › best › first-credit-card
Best Beginner Credit Cards To Build Credit – Forbes Advisor
Why is it important to establish credit?
Using a credit card responsibly is one of the best ways to build a positive credit history and boost your credit score. The higher your credit score, the more you can save on various products and services, including credit cards, lines of credit, car loans and mortgages.
forbes.com
forbes.com › advisor › credit-cards › best › first-credit-card
Best Beginner Credit Cards To Build Credit – Forbes Advisor
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Mastercard
mastercard.com › us › en › personal › find-a-card › credit-card › credit-type › good-credit.html
Credit Cards for Good Credit - Mastercard
Find credit cards from Mastercard for people with good credit. Compare credit cards from our partners, view offers and apply online for the card that is the best fit for you.
CNBC
cnbc.com › cnbc select › credit cards › best credit cards to help you meet your new year’s resolutions
Best credit cards to help you meet your New Year’s resolutions
1 day ago - Best for paying down debt: U.S. ... Wells Fargo Attune℠ World Elite Mastercard® · Best for building credit: Discover it® Secured Credit Card...
Visa
usa.visa.com › pay-with-visa › find-card › apply-credit-card › good
Credit Cards for Good Credit Score - Visa
Discover Visa personal payment solutions, secure transactions, travel support, cards and rewards designed to bring more value to your everyday experiences.
Forbes Advisor
forbes.com › advisor › credit-cards › best › first-credit-card
Best Beginner Credit Cards To Build Credit – Forbes Advisor
2 days ago - We consider the Capital One QuicksilverOne Cash Rewards Credit Card (rates & fees) to be a good option for those with fair credit and we’ve seen people qualify with a limited credit history—even if that credit was built as an authorized ...
Reddit
reddit.com › r/creditcards › what credit cards are you actually keeping long-term, and why?
r/CreditCards on Reddit: What credit cards are you actually keeping long-term, and why?
November 8, 2025 -
I feel like I’m always switching cards chasing points, cash back, or sign-up bonuses, but I’m wondering, what cards do people actually stick with for years?
For context, I travel a couple times a year, like some dining perks, and care about no foreign transaction fees. I’ve tried a few premium rewards cards, but I often end up not using all the perks.
Which cards have you found worth holding onto, even after the initial bonuses are gone? What makes them worth it for you?
Top answer 1 of 63
75
Pretty much every card I have right now. They are all no AF cashback cards (+ the savor). Since I’m still young, these will be my oldest lines of credit and I want to make sure I never have to cancel them. •Elan Max Cash - 5% on utilities. I own my house. Seems like a no brainer to have a (x2) 5% category selector card that auto resets your categories. Literally never do anything for this card. Utilities on autopay, card on autopay, I get auto paid. Never cancelling •Apple Card - probably my worst card, but still free, and I’m deeply invested in the Apple ecosystem, so it is alright I guess. Best UI of any card out there hands down. I got it when it could get 3% on tap and 5% on Apple, then I didn’t even get to use the card before they nerfed it. •Fidelity Visa: I love this card. Everyone under the age of ≈45 should get this card. Not only is it a 2% card that can pay anything no questions asked (I use it for taxes), but it also encourages good saving habits. Credit cards are not the only part of finance you should be educated in, and Fidelity is a great business to be a customer of. •Savor - I don’t spend enough money on food to break-even with the gold card yet. + CapitalOne won’t give you any cards if you have too many from other issuers, so it’s good to crack into the Cap1 ecosystem early. •My next card is probably going to be the AMEX Blue Cash Preferred. I have Disney+ so it’s literally free money, + it’s really solid outside of that considering the AF is paid for by the Disney credit
2 of 63
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I use all my cards tbh. Some more than others, but all used. -Discover IT is great for the rotating 5% categories. Especially when they’re restaurants, wholesale clubs (I do my grocery shopping at Walmart), and Amazon. -Apple Card is basically at 2% catch all that allows you to do interest free financing on apple products and gives you the ability to use apple’s savings. -Citibank Double Cash is another 2% catch all with less perks than Apple, but I use when Apple Pay isn’t accepted. -Wells Fargo Autograph is great for travel and gas (3x points). And now their points are 1:1 with Jetblue. -Chase Sapphire Preferred opens up the exporting of points from Chase and gets 3X points on dining. Chase absolutely has the best partners, so I’m even considering a Chase FU for an upcoming $$$ purchase.
Reddit
reddit.com › r/creditcards › recommendations on credit cards
r/CreditCards on Reddit: Recommendations on credit cards
December 1, 2024 -
I need help figuring out what credit card works best for me and my situation. I don't have much knowledge when it comes to credit cards. I tend to look for advice on different cards then get overwhelmed and end up not applying at all.
Some background info: I am 23 years old, work full-time, and am debt-free. I currently live at home (pay no rent), only pay the phone bill, and travel about 2-3 times a year (hoping to do it more often). I live in a small town. I have a bank account through my local bank and savings through Discover. I have a large amount saved in my savings account (if that plays into my income). I applied for a rewards credit card through my bank in April and was declined. I don't mind paying a credit card annual fee if I get good enough rewards.
Current cards:
Visa Platinum College Real Rewards Card $1000 (I was approved of a credit limit increase as of 12/1 after updating my income), August 2020
FICO Score: 728
Oldest account age: 4 years and 3 months
Chase 5/24 status: 0/24
Income: 80,000 (gross) and 58,000 (net)
Average monthly spend and categories:
dining $200-400
groceries: $300 (I tend to shop at Walmart and Hy-vee)
gas: $60
travel: $50-100
shopping: $500
pet bills: $60
phone bill: $100
Open to Business Cards: e.g. No
What's the purpose of your next card? Travel, Cashback
Capital One Venture Rewards or Capital One Venture X
Chase Freedom Unlimited
Chase Sapphire Preferred
American Express Gold Card
Are you OK with category spending or do you want a general spending card? I would want a general spending card. I want to transition from using my debit card to using a credit card for its perks.
I am open to hearing any thoughts on my situation and would be grateful for any recommendations! TYIA!
Edit:
Capital One: pre-approved for Quicksilver Rewards, Savor Rewards, Venture Rewards, VentureOne Rewards, Platinum Mastercard, and Venture X.
Chase: pre-approved for Chase Freedom Flex, Chase Freedom Unlimited, Chase Slate Edge, Chase Sapphire Preferred, Chase Sapphire Reserve, Southwest Rapid Rewards Plus, and United Explorer Card.
American Express: pre-approved for American Express Gold.
Top answer 1 of 4
3
There are 3 major credit card issuers tthat will earn you the best value for travelling with points and miles. Choose one of the issuers and combine points. Or you can start your journey with multiple of them. CHASE - This is hands down, one of the best credit card issuer and their credit card set up is easy to follow and also called as Chase trifecta in the industry. Here's how I would go about getting these cards: I would say start with Chase Freedom Flex which gives you 5% in rotating quarterly categories (dining, gas, grocery, amazon, etc) And then get Chase Freedome Unlimited which would give you 1.5% on every pther purchase. Both of them comes with a sign up bonus of $200 (equals to 20,000 chase points) after spending $500. Currently, Freedom unlimited has an offer of 25,000 points or $250. Do not spend these points on cashback and try to save them better value with my next suggestion. Finally get a annual fee credit card called Chase Saphhire Preferred ($95) or Chase Saphhire Reserve ($550). They have a standard sign up bonus of 60,000 points but I have seen offers upto 80,000 points. They provide a statement credit of $50 and $250 respectively towards travel to offset the annual fee. You can combine the points on your other cards to this premium card and spend them on travelling. It will be a total of (20,000+20,000+60,000) 100,000 points. So now, if you have the Chase Sapphire preferred, your 100,000 points are worth $1,250 towards travel (1.25 cent = 1 point). If you have Chase sapphire reserve, your 100,000 points are worth $1,500 towards travel (1.5 cent = 1 point). You can also make more value out of them by transferring them to airlines or hotels like Hyatt. These points figures above are just purely from sign up bonus. You will be earning more from using right credit card according to their spending categories and making even more points. That would be a lot of travellinf and great value. If you want to know more about American Express and Capital One card setup. Lmk, I can write a similar reply for them too. Capital One has a real good and almost one of the most best-value card set up if you want to travel more. Amex is awesome too, but I just place them down because of their high annual fees. But, you can still make a good value out of them despite the big sticker price.
2 of 4
2
Your existing card gives 1.5% cashback, which is a start. Any rent? What Capital One cards do you pre-approve for? General pre-approval: https://www.capitalone.com/credit-cards/preapprove/ Venture X-specific pre-approval: https://www.capitalone.com/credit-cards/preapprove/venture-x I am skeptical you’d be pre-approved for Venture X — it requires a minimum $10K CL — but your pre-approval results through both tools would give us a better feel for how your credit profile is evaluating.
Chase
creditcards.chase.com
Credit Cards - Compare Credit Card Offers and Apply Online | Chase
Explore all of Chases credit card offers for personal use and business. Find the best rewards cards, travel cards, and more. Apply today and start earning rewards and cash back.
Bank of America
bankofamerica.com › bank of america › credit cards › credit cards to build credit
Credit Cards to Help Build or Rebuild Credit
Answer a few quick questions to see what offers are waiting for you. It will only take a minute and won’t impact your credit score. ... Choosing a credit card can be overwhelming. We’ve compiled some important considerations to help you pick the best credit card for you.
Yahoo! Finance
finance.yahoo.com › personal-finance › credit-cards
Latest credit card rates, reviews, & comparisons - Yahoo Finance
November 13, 2025 - Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months · The Amex Blue Cash Preferred has one of the highest cash-back rates available for making purchases in common spending categories, ...
Mastercard
mastercard.com › us › en › personal › find-a-card › credit-card › credit-type › excellent-credit.html
Credit Cards for Excellent Credit - Mastercard
Find credit cards from Mastercard for people with excellent credit. Compare credit cards from our partners, view offers and apply online for the card that is the best fit for you.
NerdWallet
nerdwallet.com › back to nerdwallet homepage › credit cards › best credit cards › best credit cards for good credit of november 2025
Best Credit Cards for Good Credit of November 2025 - NerdWallet
November 15, 2025 - Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.Show MoreShow Less · When you have good credit, you have great options in credit cards. You can get generous cash back rewards, travel points and perks, or a year or more of 0% APR on purchases and balance transfers.
American Express
americanexpress.com › us › credit-cards
Credit Cards - Compare & Apply Online - American Express
Find the best credit card by American Express for your needs. Choose between travel, cash back, rewards and more. Apply for a credit card online.
U.S. Bank
usbank.com › credit-cards.html
Credit Cards | Apply and Compare Credit Card Offers | U.S. Bank
November 7, 2025 - There are simple things you can do to build and maintain good credit. Pay your entire balance on time every month, stay below your credit limit and follow these other tips for improving your credit score. U.S. Bank offers a variety of rewards credit cards, including cash back, travel and points rewards. You can compare and choose the best ...
Experian
experian.com › credit-cards › best-building-credit
Best Credit Cards for Building Credit of 2025 - Experian
While there isn't one standard best credit card for building credit, one of the strongest options is to apply for a secured credit card.
PNC
pnc.com › en › personal-banking › banking › credit-cards › credit-card-comparison.html
Credit Card Comparison
And earn a $200 account opening bonus with the PNC Cash Rewards® Visa® Credit Card. Everyone can have a low cash moment. We're here to help when you do. When you open and use a new, qualifying business checking account. ... Bonus eligibility restriction: Only one new account opening bonus per customer per product within a 24-month period. To be approved for the PNC Cash Rewards® Credit Card or PNC Spend WiseSM Credit Card...
Experian
experian.com › home › credit cards › credit card basics › what credit card should i get?
What Credit Card Should I Get?
August 28, 2024 - How a student card works: If you're a college student, you may be able to qualify for a student credit card. These cards don't require a security deposit and often come with perks that can help you establish good credit habits. Who a student card is best for: Student credit cards are specifically designed for college students, and many won't approve your application if you're not actively attending school or planning on it.
American Express
americanexpress.com › us › credit-cards › card › blue-cash-preferred
Blue Cash Preferred® Card | American Express
Earn 6% cash back at U.S. Supermarkets on up to $6K per year in purchases. Enjoy cash back on everyday spending such as streaming, gas, transit, and more. Terms Apply.
Reddit
reddit.com › r/personalfinance › best credit cards for 800+ credit scores?
r/personalfinance on Reddit: Best credit cards for 800+ credit scores?
July 11, 2024 -
I’ve been using the same credit card since I started building credit. I’ve always paid it off monthly, so having a particularly “good” card has never really mattered to me.
I’m solidly into the 800s now, and I’m curious if getting a better card would do anything for me. Is it worth looking into getting something different?
Eta: I still plan on using it only for petty purchases and paying it off monthly. Also annual fees are gonna be a pretty hard no for me
Top answer 1 of 16
20
I keep things simple … no fee 2% cash back card. I find rotating cards for specific spending not worth my time. And it is really difficult for the average person to recoup credit card fees unless they are in a special situation (like high business spend on your own personal card).
2 of 16
7
If you're responsible there are plenty of cards that offer some sort of reward for simply using it. Avoid annual fees if you cannot truly justify them. https://thepointsguy.com/credit-cards/best/