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What's the best credit card overall?
There is no single "best" credit card. Because each card has individual strengths and serves a different purpose.
I think a better question to ask is "What's the best credit card for _____?" If you break it down by categories (cash back, travel rewards, balance transfers), it's easier to find the shining stars.
Here are our 2026 Award winners in each category!
Is it better to get cash back or travel rewards?
Cash back is flexible and great for everyday use. Travel rewards can deliver outsized value if you use them strategically. It really comes down to your lifestyle.
My opinion is holding both types of card can give you the best of both worlds. If you can handle them wisely, why not get one of each?
Do credit cards hurt my credit score?
Not if you use them wisely. In fact, paying your balance in full and on time can actually help improve your credit over time.
Ok so the Amazon Prime visa has a $250 amazon gift card sign up bonus which will immediately be added to your amazon account and also no forex fees. This is amazing for a card without *annual fee. (You do need to buy the prime membership to get the $250 giftcard).
BUT, you can cancel the membership for prime and then still keep the giftcard. The card will downgrade and give 3% back instead of 5% automatically but you will still have the no forex fee which is absolutely gold!
Never applied for a card this fast.