Your Best Cards

Ranked by math. Ads and any paid links never change the order · card terms verified at the issuer, dated · how we’re funded →
Live rankings — October 2026

Best Credit Cards —
Live Rankings

Compare top credit cards across groceries, airlines, cash back, travel, and 0% intro APR. Rankings update automatically as offers change.

Cards tracked
461
Across all major issuers
Categories ranked
12
Grocery, airline, cash back & more
Rankings updated
On change
Verified on issuer sites; dates shown
No-annual-fee cards
351
Tracked with no yearly fee

Top Picks

Highest-scoring cards across all categories right now.

Loaded 461 cards
Updated: 10/26/2026, 4:50:32 PM
🛒 Grocery 💳 Cash back ✈️ Airline 🌍 Travel ⛽ Gas Streaming Airport lounges 0% APR Balance transfer
How to use this page
  • Use search to find cards for specific stores, airlines, or issuers
  • Adjust Top 6 / 9 / 12 to widen or narrow results
  • Click More details on any card to view fees, rewards, and apply links
  • Use the category chips above to jump to a dedicated card category page

Rankings use a category-aware scoring model focused on real-world value, not affiliate payouts. How we score cards →

Secured Chime Visa® Credit Card

Secured Chime Visa® Credit Card

The Bancorp Bank / Stride Bank
Score85
Annual Fee$0
  • 5% cash back on one spend category you pick each month with Chime Prime ($3,000+ direct deposits in 34 days), or 2% with Chime Plus ($200+ direct deposit)
  • up to $1,500 of purchases a month
  • no rewards outside the category or without direct deposit
Eagle Ascend™ Credit Card
Best Cashback Card

Eagle Ascend™ Credit Card

USAA
Score83
Annual Fee$0
  • 2% cash back on your top eligible spend category each month, including gas stations, groceries, dining and more
  • 1% cash back on other purchases
Chase Freedom Rise® Credit Card

Chase Freedom Rise® Credit Card

Chase
Score83
Annual Fee$0
1.5% cash back on all purchases
Discover it® Secured Cash Back

Discover it® Secured Cash Back

Discover
Score83
Annual Fee$0
  • 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate
  • Plus, earn 1% cash back on all other purchases
Quicksilver Secured from Capital One

Quicksilver Secured from Capital One

Capital One
Score82
Annual Fee$0
1.5% cash back on all purchases
Chase Sapphire Reserve®
Best Travel Card

Chase Sapphire Reserve®

Chase
Score82
Annual Fee$795
  • 8X points on Chase TravelSM purchases
  • 4X on flights and hotels booked direct
  • 3X on dining worldwide
  • 1X on all other purchases.

Top Cards Compared

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The highest-scoring cards side by side, updated live from the rankings.

#CardBest forAnnual feeWelcome bonusScore
1Chase Sapphire Reserve®ChaseTravel$795$1,50082
2American Express® Gold CardAmerican ExpressGrocery$325$1,50080
3Business Gold CardAmerican ExpressBusiness$375$3,00074
4Citi Strata Premier® CardCitiTravel$95$81073
5The Platinum Card® from American ExpressAmerican ExpressTravel$895$2,62571
6Venture X BusinessCapital OneBusiness$395$2,02569
7Chase Sapphire Preferred® Credit CardChaseGrocery$95$1,12569
8Aeroplan® CardChaseAirline$195$1,12568

Newly Launched Cards

Recently released cards, newest first, pulled live.

See all new cards →
IHG One Rewards Premier Select Credit Card
Launched Oct 01, 2026

IHG One Rewards Premier Select Credit Card

Chase
$350/yr$1,200 bonus
Apply at Chase →
DoorDash Rewards Mastercard®
Launched Jul 23, 2026

DoorDash Rewards Mastercard®

Chase
No annual fee$96 bonus
Apply at Chase →

Browse Card Categories

Pick a category to see ranked cards, detailed comparisons, and tools.

Eagle Ascend™ Credit Card
Best Cashback Card

Eagle Ascend™ Credit Card

USAA
Score83
Annual Fee$0
  • 2% cash back on your top eligible spend category each month, including gas stations, groceries, dining and more
  • 1% cash back on other purchases
Chase Freedom Rise® Credit Card

Chase Freedom Rise® Credit Card

Chase
Score83
Annual Fee$0
1.5% cash back on all purchases
Discover it® Secured Cash Back

Discover it® Secured Cash Back

Discover
Score83
Annual Fee$0
  • 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate
  • Plus, earn 1% cash back on all other purchases

How We Rank Credit Cards

Math-based scoring. No affiliate influence.

The scoring model

Every card on YourBestCards.com receives a composite score from 0 to 100. The score combines rewards, welcome bonus, annual fee and the credits a typical cardholder uses, weighted by the card’s main type. We score a cash back card, for example, on rewards 50%, welcome bonus 20%, annual fee 20% and credits 10%; a travel card rewards 35%, bonus 25%, fee 15% and credits 25%. We score cards with intro APR offers separately for the 0% APR pages.

Earn rates are weighted by Bureau of Labor Statistics spending averages. A 6x grocery card is scored based on what the average U.S. household actually spends on groceries, not an inflated hypothetical. Our rankings reflect real-world value rather than maximum theoretical returns.

Read the full methodology →

How to pick the right card

Your best card depends on where you spend most. If grocery spending is your largest monthly category, a card earning 5–6% at supermarkets will outperform a flat 2% card even with a modest annual fee. If you travel frequently, a card with airport lounge access and 3x travel earn rates may justify a $250–$550 annual fee with just its statement credits and perks.

Use the category pages to compare cards within a specific spend type. Each page shows the top-ranked cards for that category, with earn rates, fees and first-year value calculated side by side.

What is a welcome bonus and is it really a bonus?

A welcome bonus is a one-time award after spending a minimum amount or meeting other requirements, within the first few months of card ownership. Card bonuses range from $100 cash back on no-fee cards to 100,000+ points worth $1,000–$2,000 on premium travel cards.

We score bonuses on efficiency. The ratio of bonus value to minimum spend required, not just size, matters. A 60,000-point bonus requiring $4,000 spend scores higher than an 80,000-point bonus requiring $10,000 spend, because the spending commitment relative to the reward is worse.

Frequently asked questions

Does YourBestCards.com earn money from card applications?
Some links may earn a commission at no cost to you. Either way, no card issuer pays to appear in or move up our rankings. Commissions, if any, never change a score. Published by ByTheMath. Ranked by math. Not by margin.
How often are card rankings updated?
Card data comes from our database, verified on each issuer’s site; dates shown. We recheck cards on a rolling schedule, and when a bonus offer, annual fee or earn rate changes, we flag it for review and apply it to the scoring formula after verification. Rankings update automatically whenever a card’s data changes. There is no fixed update schedule.
What is the best credit card right now?
Your best card depends on your spending. For groceries, cards earning 5–6% at supermarkets lead. For travel, flexible point cards with transfer partners to airlines and hotels typically provide the most value. For simplicity, a flat 2% cash back card with no annual fee is a strong default. Use the category pages above to find the top-ranked card for your primary spending category.
Are credit card annual fees worth it?
Often yes, if you use the card regularly in its best category. A $95 annual fee card earning 4x on groceries generates approximately $480 in rewards on $10,000 of annual grocery spending. That’s a net gain of $385 after the fee. Premium cards with $250–$550 annual fees typically include statement credits for travel, dining or streaming that offset much of the fee even before counting rewards. Our annual fee value score calculates net value automatically for each card.