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Best Visa Credit Cards Compared 2025: Travel, Rewards and Everyday Spending

Headshot of Holly JohnsonWritten by
Holly Johnson
Headshot of Michael KitchenEdited by
Michael Kitchen
Content was accurate at the time of publication.
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Editor’s pick

Chase Sapphire Preferred<sup>®</sup> Card

Chase Sapphire Preferred® Card

The best Visa credit card is the Chase Sapphire Preferred® Card, due to its generous earning rates, flexible rewards, and strong travel and purchase protection.

Key takeaways

  • We’ve picked from more than 200 Visa cards to choose the best in 11 categories, including best for cash back awards, airline miles and no annual fee.
  • Visa is a credit card network, with banks and credit unions issuing a wide variety of Visa cards for all types of customers.
  • Visa cards are accepted worldwide and come in three tiers, with different perks and protections available for each.

How we chose the best Visa credit cards

We take a comprehensive, data-driven approach to identify the best Visa credit cards. We use an objective rating and ranking system that evaluates over 200 credit cards from more than 50 issuers. All recommendations are made by LendingTree’s editorial team, completely independent of affiliate partnerships or compensation. Every card is selected based on its merit and ability to help people achieve their financial goals. We use the following criteria to make our picks:

We calculate the savings on a balance transfer based on the length of the introductory period. We assume a transfer amount of $6,000 and a monthly payment of $300. We subtract balance transfer fees, annual fees and the amount paid on interest for any amount left over after the introductory period expires.

We calculate the rewards earned for the average cardholder using Bureau of Labor Statistics data and an annual spend of $20,000, minus the annual fee. This value includes sign-up bonus and annual bonuses (including annual free night certificates). For travel cards, this value includes travel perks like lounge access and travel credits. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.

We calculate how much the average cardholder can save with the card on a yearly basis. If it’s a rewards card, we use U.S. Bureau of Labor Statistics data and $300 in monthly spend (the typical starting credit limit for an introductory card) to calculate how much the average cardholder can earn in rewards. We then subtract fees — including annual fees and maintenance fees — from this amount.

Depending on the category, we also look at the flexibility of rewards, features for building credit and how the card’s overall list of benefits compares to other cards.

Note that our ratings are a starting point for comparing and choosing the best credit card. However, your needs may be different from the average cardholder’s. You should consider the amount you’re likely to spend in a card’s rewards categories and which benefits you value to choose the best card for you.

Overall Winner and Best for Travel

Chase Sapphire Preferred® Card

Chase Sapphire Preferred<sup>®</sup> Card Chase Sapphire Preferred<sup>®</sup> Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.7
apply-now-icon Apply Now
on Chase's secure site
Rates & Fees

Sign-up bonus: 75,000 points
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Rewards Rate1X - 5X points
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠
  • Earn 3x on dining, select streaming services and online groceries
  • Earn 2x on all other travel purchases
  • Earn 1x on all other purchases
Annual Fee$95
Regular Purchase APR19.99% - 28.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Generous sign-up bonus and rewards rates
  • Many flexible options for redeeming points
  • Strong travel and purchase protections
  • $0 foreign transaction fees
  • $95 annual fee
  • Must book with Chase TravelSM for high travel rewards, hotel credit
  • Recommended for applicants with excellent credit
  • High variable APR

The Chase Sapphire Preferred® Card is our pick for the best Visa rewards card on the market, as well as the best among travel credit cards.

This card earns some of the most valuable, flexible points available — Chase Ultimate Rewards® — and comes with a generous sign-up bonus and top-notch rewards earning rates on dining, online grocery purchases and more.

The Chase Sapphire Preferred® Card makes an excellent all-around travel card, with solid travel perks and protections that edge out many other travel cards. However, you’ll have to book through Chase TravelSM to get the best travel rewards earning rate on airfare, hotel stays and other travel purchases.

  • Click APPLY NOW to apply online.
  • 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
  • Rates & Fees

Best for Cash Back

Wells Fargo Active Cash® Card*

Wells Fargo Active Cash<sup>®</sup> Card Wells Fargo Active Cash<sup>®</sup> Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
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Sign-up bonus: $200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Rewards Rate2% cash rewards on purchases
Earn unlimited 2% cash rewards on purchases
Annual Fee$0
Regular Purchase APR19.24%, 24.24%, or 29.24% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Intro APR offer on balance transfers and purchases
  • Generous, flat rewards structure
  • No bonus categories to maximize rewards
  • Charges foreign transaction fees
  • Limited purchase and travel protections

The Wells Fargo Active Cash® Card may be the best credit card for rewards for customers who want to keep things simple. It doesn’t have any bonus categories to keep track of, and it offers a competitive rewards rate that outshines many other flat-rate cards.

This card also offers a long intro APR deal on both balance transfers and purchases, on par with what’s offered by many competing cards.

  • 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. 19.24%, 24.24%, or 29.24% 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.
*The information related to the Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best for Everyday Spending

Chase Freedom Unlimited®

Chase Freedom Unlimited<sup>®</sup> Chase Freedom Unlimited<sup>®</sup>
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
apply-now-icon Apply Now
on Chase's secure site
Rates & Fees

Sign-up bonus: $200 cash back
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Rewards Rate1.5% - 5% cash back
  • 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
  • Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • Earn 1.5% on all other purchases
Annual Fee$0
Regular Purchase APR18.99% - 28.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Great rewards for dining, drugstores and everyday purchases
  • Intro APR for purchases and balance transfers
  • Comes with purchase and travel protections
  • Charges foreign transaction fees
  • Geared to applicants with good / excellent credit

The Chase Freedom Unlimited® has a lot going for it, including its generous rewards for everyday purchases, with elevated earnings on spending at drugstores, restaurants and delivery services.

Users also get an intro APR offer for purchases and balance transfers, which can help them save money on interest for a limited time.

Some purchase protections come automatically with the card, including against damage or theft, as well as trip cancellation and interruption insurance. Rewards can be redeemed for a range of flexible options including statement credits, gift cards or travel through Chase TravelSM.

  • Click APPLY NOW to apply online.
  • 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 18.99% - 28.49%.
  • 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
  • Rates & Fees

Best for Rotating Categories

Chase Freedom Flex℠*

Chase Freedom Flex<sup>℠</sup> Chase Freedom Flex<sup>℠</sup>
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.5
Learn More

Sign-up bonus: $200 cash bonus
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Rewards Rate1% - 5% cash back
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Earn 5% cash back on travel purchased through Chase Ultimate Rewards®
  • Earn 3% on dining and drugstores
  • Earn 1% on all other purchases
Annual Fee$0
Regular Purchase APR18.99% - 28.49% variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Excellent rewards in rotating quarterly categories
  • Intro APR offer for purchases and balance transfers
  • Comes with travel and purchase protections
  • Bonus categories require activation
  • Charges foreign transaction fees
  • Low earning rate on regular purchases
  • Geared to applicants with good / excellent credit

The Chase Freedom Flex℠ offers its highest cash-back rate in quarterly bonus categories that change every three months, along with smaller rewards on dining and drugstore purchases all year long.

Several travel and purchase protections come with the card automatically, including cell phone protection, purchase protection against damage or theft, extended warranties and trip cancellation and interruption insurance. Cardholders also get an intro APR offer for purchases and balance transfers.

  • Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, 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 unlimited 1% cash back 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!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
*The information related to the Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best Student Card

Bank of America® Travel Rewards Credit Card for Students*

Bank of America® Travel Rewards Credit Card for Students Bank of America® Travel Rewards Credit Card for Students
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.9
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Sign-up bonus: 25,000 points

Earn 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.

Rewards Rate1.5X points

Earn unlimited 1.5 points for every $1 you spend on all purchases.

Annual Fee$0
Regular Purchase APR18.24% to 28.24% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Intro APR offer for balance transfers and purchases
  • Simple flat-rate rewards structure
  • $0 foreign transaction fees
  • Requires good / excellent credit
  • Potentially high APR if you carry a balance
  • Late payment penalty can be hefty

The Bank of America® Travel Rewards Credit Card for Students is one of the best credit cards for students available. It has one of the highest sign-up bonuses of any student card on the market, combined with a competitive flat rewards rate that’ll put extra cash in your pocket for all purchases, from textbooks to groceries.

Its intro APR with a long introductory period for purchases and balance transfers makes this a good Visa rewards card option for students who need to transfer a high-interest balance or finance a big purchase.

  • 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.
  • 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.
  • 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.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a 18.24% to 28.24% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • 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.
*The information related to the Bank of America® Travel Rewards Credit Card for Students has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best Secured Card

U.S. Bank Altitude Go Visa Secured Card*

U.S. Bank Altitude Go Visa Secured Card U.S. Bank Altitude Go Visa Secured Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.2

Build credit and earn rewards with a $0 annual fee
Rewards Rate1X - 4X points
  • Earn 4X points on dining, takeout and restaurant delivery (on your first $2,000 each quarter)
  • Earn 2X at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations
  • Earn 1X on all other purchases
Annual Fee$0
Regular Purchase APR29.24%
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
300-660
Limited / Poor / Fair
Get Your Free Credit Score
  • $0 annual fee
  • Excellent rewards earning on restaurant and takeout spending
  • Numerous bonus categories
  • Streaming services credit after 11 months of streaming spending
  • Minimum security deposit of $300 required
  • $2,000 quarterly limit on 4X points categories
  • High APR if you carry a balance
  • No welcome bonus

The $0-annual-fee U.S. Bank Altitude Go Visa Secured Card is one of the best Visa credit cards for building credit. It offers an array of perks that stand out next to other secured cards, including rewards bonus categories and a high rate of earning on dining and takeout.

Cardholders also get the benefit of a streaming credit that applies after paying for 11 months of eligible streaming services.

That said, you should know that you’ll need to put down a security deposit of between $300 and $5,000, which acts as your limit while you build credit using this card. You should also watch for high rates if you carry a balance or pay late.

  • 4X points on dining, takeout and restaurant delivery (on your first $2,000 each quarter).
  • 2X points at grocery stores and gas stations/EV charging stations.
  • 1 point per $1 spent on all other eligible purchases.
  • No annual fee.
*The information related to the U.S. Bank Altitude Go Visa Secured Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best for Beginners

Chase Freedom Rise® Credit Card*

Chase Freedom Rise® Credit Card Chase Freedom Rise® Credit Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.8
Learn More

Sign-up bonus: $25 statement credit
Earn a $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days.
Rewards Rate1.5% cash back
  • With Chase Freedom Rise®, you can start building credit while earning 1.5% cash back on all purchases.
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Annual Fee$0
Regular Purchase APR25.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Solid cash back rewards
  • Bonus for enrolling in autopay
  • Travel and purchase protections
  • May need good / excellent credit or a Chase bank account to get approved
  • Charges foreign transaction fees
  • No 0% APR offer

The Chase Freedom Rise® Credit Card is our choice for the best Visa card for beginners, based on its competitive flat-rate rewards and purchase and travel coverage benefits.

It also offers a way to increase your chances of getting approved: opening a Chase bank account and keeping a balance of at least $250.

On the downside, it doesn’t have an intro APR, and you will face fees on foreign transactions.

  • Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise®
  • Earn Cash Back - With Chase Freedom Rise®, you can start building credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Earn a $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
  • Credit Limit Increase - As a Chase cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise® Card
  • Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey.
  • No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise® card.
  • Member FDIC
*The information related to the Chase Freedom Rise® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best Business Card

Ink Business Preferred® Credit Card*

Ink Business Preferred<sup>®</sup> Credit Card Ink Business Preferred<sup>®</sup> Credit Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.7
Learn More

Sign-up bonus: 90,000 points
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Rewards Rate1X - 3X points
  • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.
  • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
Annual Fee$95
Regular Purchase APR20.24% - 26.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Generous rewards in popular business categories
  • Great sign-up bonus
  • Robust travel and purchase protections
  • Flexible rewards for travel
  • $0 foreign transaction fees
  • $95 annual fee
  • High minimum spending for sign-up bonus
  • Annual cap on bonus rewards earnings
  • Low earning rate on regular purchases

The Ink Business Preferred® Credit Card is our choice for the best Visa card for business, with an impressive sign-up bonus in the form of valuable, flexible Chase Ultimate Rewards® points.

The card also has some of the best travel coverages out there, including trip cancellation/interruption insurance and primary rental car insurance when renting a car for business purposes.

Note, however, that the level of spending required to earn the sign-up bonus is higher than on some competing cards. There’s also an annual cap for the rewards earned.

  • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC
*The information related to the Ink Business Preferred® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best Airline Card

The New United Club℠ Card*

The New United Club℠ Card The New United Club℠ Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.1
Learn More

Sign-up bonus: 80,000 miles
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Rewards Rate1X - 4X miles
  • Earn 4x miles on United® purchases
  • Earn 2x miles on dining and all other travel 
  • Earn 1x mile on all other purchases
Annual Fee$695
Regular Purchase APR20.49% - 28.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Outstanding sign-up bonus
  • United Club℠ membership and other luxury perks
  • Free first and second checked bags
  • $0 foreign transaction fees
  • High $695 annual fee
  • No flexible travel credit
  • Requires excellent credit

The New United Club℠ Card is a natural choice for United loyalists looking for a premium travel credit card. Just the United Club℠ access alone (valued at $750) can make up for the card’s annual fee, not to mention free first and second checked bags, over $675 in partner credits annually and premium travel and purchase protections.

On the other hand, many of the benefits you get are tied to United Airlines. The rewards you earn are also mostly just good for flights with United and its Star Alliance partners.

  • Earn 80,000 bonus miles
  • 4x miles on United® purchases
  • 2x miles on dining and all other travel
  • 1x mile on all other purchases
  • United Club℠ card membership - at least a $750 value
  • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
  • Earn a 10,000-mile award flight discount after $20,000 in purchases to use toward an eligible award flight - up to two times each calendar year
  • Member FDIC
*The information related to the The New United Club℠ Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best Hotel Rewards Card

Marriott Bonvoy Boundless® Credit Card*

Marriott Bonvoy Boundless<sup>®</sup> Credit Card Marriott Bonvoy Boundless<sup>®</sup> Credit Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.8
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Sign-up bonus: 3 Free Night Awards
Earn 3 Free Night Awards worth up to 50,000 points each after spending $3,000 on eligible purchases within 3 months of account opening.
Rewards Rate2X - 17X points
  • Earn up to 17X total points at participating Marriott hotels.
  • Earn 3X points on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • Earn 2X points on all other purchases.
Annual Fee$95
Regular Purchase APR19.99% - 28.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Excellent sign-up bonus
  • Free anniversary night every year
  • Marriott Bonvoy Silver Elite status
  • $0 foreign transaction fees
  • $95 annual fee
  • Low annual rewards cap on grocery, gas and dining rewards
  • Limited redemptions for rewards

The Marriott Bonvoy Boundless® Credit Card is a great choice for travelers who often stay at Marriott hotels. Its higher-than-average sign-up bonus, automatic Marriott Bonvoy Silver elite status and a free anniversary night (up to 35,000 points) give the Marriott Bonvoy Boundless® Credit Card more value than rival hotel cards.

Several travel and purchase protections also come with the card, including purchase protection against damage and theft, baggage delay insurance, lost luggage reimbursement and trip delay coverage.

  • Earn 3 Free Night Awards worth up to 50,000 points each after spending $3,000 on eligible purchases within 3 months of account opening.
  • Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • 2X points for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No foreign transaction fees.
*The information related to the Marriott Bonvoy Boundless® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best for Balance Transfers

Bank of America® Customized Cash Rewards credit card

Bank of America<sup>®</sup> Customized Cash Rewards credit card Bank of America<sup>®</sup> Customized Cash Rewards credit card
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4.6
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on Bank Of America's secure site

Sign-up bonus: $200 cash rewards

Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Rewards Rate1% - 6% cash back
  • Earn 6% cash back for the first year in the category of your choice on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn unlimited 1% thereafter.
  • Earn 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn unlimited 1% thereafter.
  • After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum
  • Earn unlimited 1% cash back on all other purchases
Annual Fee$0
Regular Purchase APR18.24% - 28.24% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
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  • $0 annual fee
  • Solid sign-up bonus
  • Flexible rewards earning
  • Long intro APR for both purchases and balance transfers
  • Low earning rate for non-bonus spending
  • Bonus categories have a spending cap each quarter
  • Charges foreign transaction fees

If you want a credit card for balance transfers, the intro APR offer on the Bank of America® Customized Cash Rewards credit card makes it a great option among Visa credit cards. Just be sure your balance transfers are done within 60 days of opening your account for the intro offers to apply.

It’s also a great choice if you want a credit card for gas and groceries, thanks to its solid rewards rate on groceries (including wholesale clubs) and a very large cash-back rate on gas if you choose it as your high-earning category.

Just note that there’s a $2,500 quarterly spending limit for your grocery and choice categories, after which you earn just 1% cash back.

  • Click APPLY NOW to apply online.
  • New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
  • Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
  • 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

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

The information related to the Wells Fargo Active Cash® Card, Chase Freedom Flex℠, Bank of America® Travel Rewards Credit Card for Students, U.S. Bank Altitude Go Visa Secured Card, Chase Freedom Rise® Credit Card, Ink Business Preferred® Credit Card, The New United Club℠ Card, Marriott Bonvoy Boundless® Credit Card, Costco Anywhere Visa® Card by Citi and U.S. Bank Cash+® Visa Signature® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

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