Best Credit Cards of 2025
Savvy consumers understand that it is important to reevaluate your credit card options regularly to make sure you are maximizing your benefits and minimizing interest payments. Whether you are in the market for a cash back, low APR, balance transfer or travel option our critics have you covered. We have highlighted all the important details you will need to make sure you find the right card for your needs. If you have good to excellent credit then any of these credit cards from our partners would be a fantastic option.
Balance Transfer
Huge Earning Potential and No Annual Fee
Chase Freedom Unlimited®
Welcome Bonus
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account openingIntro APR
0% Intro APR on Balance Transfers for 15 months0% Intro APR on Purchases for 15 months
Regular APR
18.74% – 28.24% VariableCash Back
1.5% – 5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchasesAnnual Fee
$0Recommended Credit Score
Good – Excellent (670 – 850*)
Show All Card Details +
Critic's Overview
The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel℠, dining at restaurants and purchases at drugstores. You can earn a welcome bonus of $200 cash back after you spend $500 on purchases in the first three months of account opening. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Read our in-depth Review to learn more.Card Details From Issuer
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% – 28.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Apply Now
On Chase's secure site
Huge Earning Potential and No Annual Fee
Cash Back
1.5% – 5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Welcome Bonus
$200 Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Annual Fee
$0
Welcome Bonus
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Intro APR
0% Intro APR on Balance Transfers for 15 months
0% Intro APR on Purchases for 15 months
0% Intro APR on Purchases for 15 months
Regular APR
18.74% – 28.24% Variable
Recommended Credit Score
Good – Excellent (670 – 850*)
Apply Now
On Chase's secure site
Show All Card Details +
Critic's Overview
The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel℠, dining at restaurants and purchases at drugstores. You can earn a welcome bonus of $200 cash back after you spend $500 on purchases in the first three months of account opening. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Read our in-depth Review to learn more.Card Details From Issuer
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% – 28.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Apply Now
On Chase's secure site
Low APR
Incredibly Long 0% Intro APR on Purchases & Qualifying Balance Transfers
Wells Fargo Reflect® Card
Top Feature
Low deductible cell phone protectionIntro APR
0% intro APR for 21 months from account opening on purchases0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
17.99%, 24.49%, or 28.74% Variable APRCash Rewards
N/AAnnual Fee
$0Recommended Credit Score
Excellent/Good (670 – 850*)
Show All Card Details +
Critic's Overview
This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period and you get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card. Read our in-depth Review to learn more.Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.99%, 24.49%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Apply Now
On Wells Fargo's secure site
Incredibly Long 0% Intro APR on Purchases & Qualifying Balance Transfers
Cash Rewards
N/A
Welcome Bonus
N/A
Annual Fee
$0
Top Feature
Low deductible cell phone protection
Intro APR
0% intro APR for 21 months from account opening on purchases
0% intro APR for 21 months from account opening on qualifying balance transfers
0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
17.99%, 24.49%, or 28.74% Variable APR
Recommended Credit Score
Excellent/Good (670 – 850*)
Apply Now
On Wells Fargo's secure site
Show All Card Details +
Critic's Overview
This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period and you get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card. Read our in-depth Review to learn more.Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.99%, 24.49%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Apply Now
On Wells Fargo's secure site
Rewards
Earn Unlimited 3X Rewards on Restaurants, Travel, Gas & More
Wells Fargo Autograph® Card
Welcome Bonus
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.Purchase APR
0% intro APR for 12 months from account opening on purchases followed by a 18.99%, 24.99%, or 28.99% Variable APRRewards
1X – 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.Annual Fee
$0Recommended Credit Score
Excellent/Good (670 – 850*)
Show All Card Details +
Critic's Overview
This rewards card from Wells Fargo offers a seriously impressive lineup of benefits, especially for a card without an annual fee. You can earn 20,000 bonus points (a $200 cash redemption value) when you spend $1,000 in purchases in the first 3 months. Your ongoing rewards can add up quickly as well since you earn 3X points at restaurants, gas stations and on travel, transit and popular streaming services. There are no category limits to worry about and you can earn 1X points on your other purchases. Read our in-depth Review to learn more.Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 18.99%, 24.99%, or 28.99% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Apply Now
On Wells Fargo's secure site
Earn Unlimited 3X Rewards on Restaurants, Travel, Gas & More
Rewards
1X – 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
Welcome Bonus
$200 Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
Annual Fee
$0
Welcome Bonus
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
Purchase APR
0% intro APR for 12 months from account opening on purchases followed by a 18.99%, 24.99%, or 28.99% Variable APR
Recommended Credit Score
Excellent/Good (670 – 850*)
Apply Now
On Wells Fargo's secure site
Show All Card Details +
Critic's Overview
This rewards card from Wells Fargo offers a seriously impressive lineup of benefits, especially for a card without an annual fee. You can earn 20,000 bonus points (a $200 cash redemption value) when you spend $1,000 in purchases in the first 3 months. Your ongoing rewards can add up quickly as well since you earn 3X points at restaurants, gas stations and on travel, transit and popular streaming services. There are no category limits to worry about and you can earn 1X points on your other purchases. Read our in-depth Review to learn more.Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 18.99%, 24.99%, or 28.99% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Apply Now
On Wells Fargo's secure site
Travel
25,000 Bonus Points Offer Worth $250
Bank of America® Travel Rewards credit card
Apply Now
On Bank of America's secure site
Welcome Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchasesPurchase & Balance Transfer APR
Generous intro APR offer available. Select ‘Apply Now‘ to view the current offer terms.Rewards
1.5x – 3x Points 1.5 points per $1 spent on all purchases.3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
Annual Fee
$0Recommended Credit Score
Excellent/Good (670 – 850*)
Show All Card Details +
Critic's Overview
This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a generous intro APR. You’ll earn 1.5 points per dollar spent on all purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening. Read our in-depth Review to learn more.Card Details From Issuer
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Updated October 31, 2025
Apply Now
On Bank of America's secure site
25,000 Bonus Points Offer Worth $250
Apply Now
On Bank of America's secure site
Rewards
1.5x – 3x Points 1.5 points per $1 spent on all purchases.
3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
Welcome Bonus Offer
25,000 points (worth $250) 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases
Annual Fee
$0
Welcome Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases
Purchase & Balance Transfer APR
Generous intro APR offer available. Select ‘Apply Now‘ to view the current offer terms.
Recommended Credit Score
Excellent/Good (670 – 850*)
Apply Now
On Bank of America's secure site
Show All Card Details +
Critic's Overview
This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a generous intro APR. You’ll earn 1.5 points per dollar spent on all purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening. Read our in-depth Review to learn more.Card Details From Issuer
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Updated October 31, 2025
Apply Now
On Bank of America's secure site
75,000 Bonus Point Offer
Chase Sapphire Preferred® Card
Welcome Bonus
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.Purchase & Balance Transfer APR
19.74% – 27.99% VariableRewards
1x – 5x Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.Annual Fee
$95Recommended Credit Score
Good – Excellent (670 – 850*)
Show All Card Details +
Critic's Overview
This premium travel card is offering an incredible bonus point opportunity, fantastic ongoing rewards, a long list of travel benefits and protections and extremely flexible redemption options. Read our in-depth Review to learn more.Card Details From Issuer
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
Apply Now
On Chase's secure site
75,000 Bonus Point Offer
Rewards
1x – 5x Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.
Welcome Bonus
up to $1,312 through Chase Travel℠. Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Your points are worth up to 75% more when you redeem them through Chase Travel, making this bonus worth up to $1,312.50.
Annual Fee
$95
Welcome Bonus
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Purchase & Balance Transfer APR
19.74% – 27.99% Variable
Recommended Credit Score
Good – Excellent (670 – 850*)
Apply Now
On Chase's secure site
Show All Card Details +
Critic's Overview
This premium travel card is offering an incredible bonus point opportunity, fantastic ongoing rewards, a long list of travel benefits and protections and extremely flexible redemption options. Read our in-depth Review to learn more.Card Details From Issuer
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
Apply Now
On Chase's secure site
Cash Back
Earn Unlimited 2% Cash Rewards Plus A Bonus
Wells Fargo Active Cash® Card
Welcome Bonus
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 monthsPurchase & Balance Transfer APR
0% intro APR for 12 months from account opening on purchases and on qualifying balance transfers, then a 18.99%, 24.99%, or 28.99% Variable APRCash Rewards
2% Earn unlimited 2% cash rewards on purchases.Annual Fee
$0Recommended Credit Score
Excellent/Good (670 – 850*)
Show All Card Details +
Critic's Overview
If you are looking for a flat-rate cash rewards card that also offers an intro APR on purchases and qualifying balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Review to learn more.Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.99%, 24.99%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Apply Now
On Wells Fargo's secure site
Earn Unlimited 2% Cash Rewards Plus A Bonus
Cash Rewards
2% Earn unlimited 2% cash rewards on purchases.
Welcome Bonus
$200 Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Annual Fee
$0
Welcome Bonus
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Purchase & Balance Transfer APR
0% intro APR for 12 months from account opening on purchases and on qualifying balance transfers, then a 18.99%, 24.99%, or 28.99% Variable APR
Recommended Credit Score
Excellent/Good (670 – 850*)
Apply Now
On Wells Fargo's secure site
Show All Card Details +
Critic's Overview
If you are looking for a flat-rate cash rewards card that also offers an intro APR on purchases and qualifying balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Review to learn more.Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.99%, 24.99%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Apply Now
On Wells Fargo's secure site
If you have not applied for a new card recently then you are likely missing out on premium perks. With incredible welcome offers, long intro APR periods and lucrative ongoing rewards to choose from, it is easy to see why it is a great time to apply for a new card.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.