Hands Down the Best Card of 2025
Protect your online spending with this top-rated virtual card, earn unlimited cash back plus $300 in bonuses For a limited time, earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. Offer ends 12/8/25
Fact Checked
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases.
Fact Checked
With the holiday spending season upon us, it is the perfect time to upgrade your credit card to a standout option with virtual card capabilities and generous cash back rewards. The Capital One Savor Cash Rewards Credit Card earns top honors for its easy-to-use virtual card numbers, limited-time welcome bonuses, intro APR, and more.
Shop Online With Confidence with Virtual Card Numbers
Virtual credit cards offer enhanced security for online shopping by generating unique card numbers that are linked to your actual credit card account but differ from your physical card number. They are one of the easiest ways to protect yourself while shopping online, giving you more control over spending by allowing you to deactivate the virtual number immediately if you suspect fraud.
Capital One’s virtual card program is widely regarded as the easiest to use. Through the Eno browser extension and mobile app, you can quickly generate and manage virtual card numbers. You also have the flexibility to set cards for single use or choose a custom expiration date directly from your account.
If eligible, you can instantly spend with your virtual card before your new credit card arrives in the mail.
Limited Time Offer: Earn $300 in Bonuses
For a limited time, earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. Offer ends 12/8/25. Meeting this spend requirement will be especially easy during the holidays and doing so means you’re earning another 40% back on the first $500 you spend on your card! This offer ends 12/8/25, so we suggest applying today.
Earn 1% – 8% Cash Back
The Savor Card offers unlimited cash back at the following rates:
- 3% cash back on dining, including restaurants, fast-food chains, bars, bakeries, and cafes
- 3% cash back at grocery stores (excluding superstores like Walmart® and Target®)
- 3% cash back on entertainment expenses like sporting events, theaters and amusement parks
- 3% cash back on popular streaming services like Disney+, Hulu, and Netflix
- 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- 8% cash back on exclusive Capital One entertainment purchases
- 1% cash back on all of your other purchases
Unlike many other cash back cards, there are no caps to these elevated rates, allowing you to rack up incredible cash back rewards in record time.
Save on Interest with an Intro APR
If you would like a bit of breathing room to pay down your holiday shopping balances you are in luck. The Savor Card offers a 0% intro APR on purchases and balance transfers for 12 months. After the intro period, a 19.99% - 28.99% (Variable) will apply. If you choose to complete a balance transfer, a balance transfer fee will apply, but if you are paying interest on your other card(s) the fee is likely much lower than the interest charges you are accruing each month.
Capital One Savor Cash Rewards Credit Card
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This stellar card from Capital One is an excellent choice for those who spend regularly in the dining, entertainment, streaming services and grocery categories. There is a lucrative bonus opportunity, an intro APR period on purchases and balance transfers and no annual fee. Read our in-depth Review to learn more.Card Details From Issuer
- LIMITED-TIME OFFER: Earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- $0 annual fee and no foreign transaction fees
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 12 months; 18.99% – 28.99% variable APR after that; balance transfer fee applies
Want to learn more about virtual credit cards and how they can benefit you? Dive into our comprehensive Guide to Virtual Cards for everything you need to know.
We think the Savor Card is tough to beat, but we have rounded up some other options from our partners that may appeal to you as well.
Earn a $300 Bonus Plus Ongoing Cash Back
Capital One Quicksilver Cash Rewards Credit Card
Capital One’s virtual card program is widely regarded as the easiest to use. Through the Eno browser extension and mobile app, you can quickly generate and manage virtual card numbers. You also have the flexibility to set cards for single use or choose a custom expiration date directly from your account.
The Capital One Quicksilver Cash Rewards Credit Card stacks up very well against other top-tier cash back cards as it offers an unlimited 1.5% cash back on everyday purchases and 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel. For a limited time, earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. Offer ends 12/8/25 This is a lower spending requirement than most cash back cards which means you can easily achieve this bonus with everyday purchases. You will also get access to exclusive reservations and dining experiences through Capital One Dining. You will also benefit from a 0% intro on purchases and balance transfers for 15 months, then 18.99% – 28.99% (Variable) APR will apply. A balance transfer fee applies but this fee is usually worth it if you’re currently carrying a balance on another card that charges interest. That’s an extensive list of benefits, especially for a card that does not charge an annual fee.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This $0 annual fee cash back credit card offers unlimited 1.5% cash back on every purchase making it an excellent, straightforward option for those looking for a flat rate credit card. You will also earn an elevated cash back rate on hotels, vacation rentals and rental cars booked through Capital One Travel. There is a generous online cash rewards bonus and a lengthy intro APR on purchases and balance transfers. Read our in-depth Review to learn more.Card Details From Issuer
- LIMITED-TIME OFFER: Earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 18.99% – 28.99% variable APR after that; balance transfer fee applies
Great For Everyday Spending
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Blue Cash Preferred® Card from American Express
American Express issues virtual card numbers primarily through a Google Chrome integration, and are best suited for quick, one-time online or in-app purchases. The process is smooth when shopping via Chrome with auto-fill, but options outside Chrome are limited. These virtual cards don’t allow custom expiration dates or robust spending controls, so they’re ideal for users who want a simple, streamlined checkout experience rather than advanced customization.
It is important to understand that when it comes to credit cards the only way to really take your earning potential to the next level is to choose a card with an annual fee. The Blue Cash Preferred® Card from American Express (a CardCritics™ advertiser) is an excellent example since the ongoing perks and rewards quickly justify the $95 annual fee which is $0 your first year. You will earn a massive 6% back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 6% back on select U.S. streaming subscriptions, and 3% back at U.S. gas stations and on transit. All of your other eligible purchases will earn you 1% back. To sweeten the deal, you can earn a $250 welcome bonus after you spend $3,000 in purchases on your new card within the first 6 months.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
If you are looking for a well-rounded card that makes it easy to rack up cash back rewards while saving on interest look no further. With incredible cash back rates at U.S. supermarkets, select streaming services, U.S. gas stations, and for transit purchases, it’s easy to see why the Blue Cash Preferred® Card from American Express (a CardCritics™ advertiser) is so popular. There is an impressive cash back welcome offer and though there is an annual fee, it is $0 for the first year. If you spend at least $30.44 on groceries a week the cash back earned will justify the cost of the annual fee. Read our in-depth Review to learn more.Card Details From Issuer
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74% – 28.74%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
- Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
As you can see, it is a great time to be in the market for a new rewards credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card, then you should definitely apply for one of these stand-out options today.
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.