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 →

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Rankings · All consumer cards

Best Credit Cards

291 live consumer credit cards in our database, ranked by one overall score. Here are the top 50, with the fee, earn rates and welcome offer for each.

Cash back cardsTravel cards

Ranked by math · Compensation never changes the order · Methodology

Cards compared
291
Live cards in our database
#1 score
82
Chase Sapphire Reserve®
$0 annual fee
195
of the 291 cards
Sponsored rankings
0
Compensation never changes the order

Before you compare

There is no single best card for everyone: the right one depends on where you spend, whether you carry a balance and how much effort you want to put in. This page ranks every consumer card we track by the same overall score, so you can see which cards come out ahead on a typical spending profile. If you already know what you want, the category pages below rank cards for one job: cash back, travel, no annual fee, 0% intro APR and more.

Live Credit Card Rankings

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Ranked by each card’s overall score, the same score our category rankings use to break ties. Card data checked November 8, 2026 · 291 cards compared, top 50 listed.

Search for grocery, dining, travel, no annual fee or an issuer name. Open View details for the full earn terms, welcome offer and fees.
Loaded 25 cards
Chase Sapphire Reserve®

Chase Sapphire Reserve®

Best Overall Card
ChaseVisa
Overall 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.
American Express® Gold Card

American Express® Gold Card

American Express
Overall score81
Annual fee$325
  • 4X Membership Rewards points at U.S. supermarkets (up to $25,000/year)
  • 4X at restaurants (up to $50,000/year)
  • 3X on flights through American ExpressTravel
  • 5X on prepaid hotels through American Express Travel
  • 1X on other purchases
Citi Strata Premier® Card

Citi Strata Premier® Card

CitiMastercard
Overall score74
Annual fee$95
  • 10x points per $1 spent on hotels, car rentals and attractions booked at cititravel.com
  • 3x points on air travel and other hotel purchases
  • 3x points at supermarkets, restaurants, gas & EV charging stations
  • 1x point on all other purchases
The Platinum Card® from American Express

The Platinum Card® from American Express

American Express
Overall score71
Annual fee$895
  • 5X points on flights booked directly with airlines or through American Express Travel®, on up to $500,000 per calendar year
  • 5X points booked at hotels on American Express Travel®
  • 1X points on other purchases
Chase Sapphire Preferred® Credit Card

Chase Sapphire Preferred® Credit Card

ChaseVisa
Overall score69
Annual fee$95
  • 5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $100 Annual Chase Travel Hotel Credit
  • 2X on other travel purchases
  • 3X points on dining, including eligible delivery services, takeout and dining out
  • 3X points on gas stations, EV charging and vacation homes at top brands
  • 3X points on online grocery purchases (excluding Target,* Walmart and wholesale clubs)
  • 3X points on select streaming services
  • 1 point per dollar spent on all other purchases
Citi Strata℠ Card

Citi Strata℠ Card

CitiMastercard
Overall score68
Annual fee$0
  • 5x points per dollar on hotels, car rentals, and attractions booked on cititravel.com
  • 3x points per dollar spent at supermarkets
  • 3x points per dollar spent on select transit and at gas & EV charging stations
  • 3x points per dollar spent on an eligible self-select category of your choice
  • 2x points per dollar spent at restaurants
  • 1x point per dollar spent on all other purchases
Aeroplan® Card

Aeroplan® Card

ChaseVisa
Overall score68
Annual fee$195
  • NEW! Up to 5x total points per $1 spent on Air Canada purchases, including 3X points on Air Canada purchases with your card, plus an additional 2X points from Air Canada when traveling as an Aeroplan 25K members
  • 3X points per $1 spent on travel purchases
  • 2X points per $1 spent at grocery stores. Through December 31, 2026, these purchases will earn 3X points per $1 spent
  • 2X points per $1 spent on dining, including takeout and eligible delivery services. Through December 31, 2026, these purchases will earn 3X points per $1 spent
  • 2X points per $1 spent at gas stations
  • 1X points per $1 spent on all other purchases.
PNC Cash Rewards®

PNC Cash Rewards®

PNC BankVisa
Overall score68
Annual fee$0
  • 4% cash back on gas purchases
  • 3% cash back on dining
  • 2% cash back on grocery stores
  • 1% cash back on all other purchases
  • Bonus rewards on up to $8,000 combined spending per year in bonus categories
Bilt Obsidian Card

Bilt Obsidian Card

CardlessMastercard
Overall score68
Annual fee$95
Choose 3X on dining OR grocery (grocery capped at $25K/year) + 2X travel + 1X everyday spend + 4% Bilt Cash on everyday spend (excluding housing) and up to 1X points on housing or up to 1.25X points on housing.
United Quest℠ Card

United Quest℠ Card

ChaseVisa
Overall score67
Annual fee$350
  • 10x miles on United flights - 6x miles on fare from United as a MileagePlus member, plus 4x miles on entire United purchase with the United Quest℠ Card
  • 5x miles on hotel stays at Renowned Hotels and Resorts
  • 4x miles on all other eligible United purchases
  • 2x miles on all other travel, select streaming services and dining
  • 1x mile on all other purchases
IHG One Rewards Premier Select Credit Card

IHG One Rewards Premier Select Credit Card

ChaseVisa
Overall score67
Annual fee$350
  • Up to 28X total points at IHG® Hotels and Resorts - 12X points with this card. Plus, up to 10X points from IHG® on stays for being an IHG One Rewards member
  • up to 6X points from IHG® on stays with Platinum Elite Status
  • 6X points on dining and all other travel, including rideshare
  • 3X points per $1 spent on all other purchases.
Citi® / AAdvantage® Globe™ Mastercard®

Citi® / AAdvantage® Globe™ Mastercard®

Citi
Overall score67
Annual fee$350
  • 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • 6 AAdvantage® miles for every $1 spent on eligible AAdvantage Hotels™ bookings
  • 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery
  • AAdvantage® miles for every $1 spent on eligible Rides and Rails™ purchases, including taxis, rideshares and public transit
  • 1 AAdvantage® mile for every $1 spent on all other purchases
PNC Cash Unlimited®

PNC Cash Unlimited®

PNCVisa
Overall score67
Annual fee$0
Unlimited 2% cash back on all purchases
The Platinum Card® from American Express for Charles Schwab

The Platinum Card® from American Express for Charles Schwab

American Express
Overall score66
Annual fee$895
  • 5X Membership Rewards® points for flights booked directly with airlines or through American Express Travel®, on up to $500,000 on these purchases per calendar year
  • 5X Membership Rewards® points on prepaid hotels booked with American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection
  • 1X point on all other purchases
BMO Cash Back Credit Card

BMO Cash Back Credit Card

BMOMastercard
Overall score66
Annual fee$0
  • 5% cash back on eligible streaming, cable TV and satellite services
  • 3% cash back on eligible gas, EV charging and grocery purchases
  • 1% cash back on all other eligible purchases
  • (Up to $1,500 in gas, EV charging and grocery purchases each calendar quarter and 1% on all purchases after that)
Capital One Venture X Rewards

Capital One Venture X Rewards

Capital OneVisa
Overall score66
Annual fee$395
  • 10X Miles on hotels & rental cars booked through Capital One Travel
  • 5X Miles on flights and vacation rentals booked through Capital One Travel
  • 2X Miles on all other purchases
Bilt Palladium Card

Bilt Palladium Card

CardlessMastercard
Overall score66
Annual fee$495
  • 2X points on all everyday purchases (excluding housing) + 4% Bilt Cash on everyday spend. Housing payments: Use Bilt Cash to unlock points (no transaction fee) at 1X per $30 Bilt Cash per 1000 points
  • OR earn up to 1.25X via tiered system based on non-housing spend (need 100% of housing payment in non-housing spend for full 1.25X). Point accelerator: Use $200 Bilt Cash to earn +1X on next $5000 spend (up to 5X/year for max 3X everywhere)
Blue Cash Preferred® Card

Blue Cash Preferred® Card

American Express
Overall score66
Annual fee$95 ($0 intro annual fee for the first year)
  • 6% back at U.S. supermarkets on up to $6,000/year, then 1%
  • 6% on select streaming
  • 3% on transit and U.S. gas stations
  • 1% other purchases
Citi® / AAdvantage® Executive World Legend Mastercard®

Citi® / AAdvantage® Executive World Legend Mastercard®

Citi
Overall score66
Annual fee$695
  • 12 AAdvantage® miles for every $1 spent on eligible AAdvantage Hotels® bookings and eligible AAdvantage Cars® bookings
  • 4 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After you spend $150,000 in purchases in a calendar year, earn a total of 5 AAdvantage® miles for every $1 spent on eligible American Airlines purchases for the remainder of the year
  • 1 mile for all other purchases
JetBlue Plus Card

JetBlue Plus Card

BarclaysMastercard
Overall score66
Annual fee$99
  • 6X points on eligible JetBlue purchases
  • 2X points at restaurants and eligible grocery stores
  • 1X points on all other purchases
Wyndham Rewards Earner® Premier Card

Wyndham Rewards Earner® Premier Card

BarclaysMastercard
Overall score66
Annual fee$395
  • 8X on eligible purchases made at Hotels by Wyndham, including hotels through Wyndham Travel Bundles
  • 4X on eligible Vacation Club, travel, dining and grocery store purchases (excluding Target® and Walmart®)
  • 1X points on other purchases
IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card

ChaseVisa
Overall score66
Annual fee$150
  • Up to 10X points from IHG® for being an IHG One Rewards member
  • Up to 6X points from IHG® with Platinum Elite status
  • 5X points on travel, dining and at gas stations
  • 3X points on all other purchases
Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card

American Express
Overall score66
Annual fee$550
  • 14X Hilton Honors Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio
  • 7X Points on purchases of flights booked directly with airlines or flights booked through American Express Travel, car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants
  • 3X Points on all other eligible purchases.
Verizon Visa® Card

Verizon Visa® Card

Synchrony Bank
Overall score65
Annual fee$0
4% in rewards on dining, gas and grocery store purchases
Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

American Express
Overall score65
Annual fee$150 ($0 intro annual fee for the first year)
  • 2X miles on dining at restaurants, including takeout and delivery in the U.S
  • 2X miles on groceries at U.S. supermarkets
  • 2X miles on Delta Purchases
  • 1X miles on other purchases
Want simple cash back?

A flat-rate card pays the same on everything; a category card pays more where you spend most. Pair one of each to cover most purchases.

Best cash back cards Flat-rate cards No-annual-fee cards
Travel and points

Points cards are worth more when you transfer to airlines and hotels, and premium cards add credits and lounge access for a higher fee.

Best travel cards Premium travel cards What points are worth
Paying down a balance?
  • 0% intro APR: a long intro period beats rewards if you carry a balance
  • Balance transfer fee: usually 3% to 5% of the amount moved
  • Annual fees: $0 to $895 across the 291 cards here
0% intro APR cards Balance transfer cards

How this page is built

Every live consumer card in our database that has an overall score, leaving out store and co-branded retail cards, business cards, student cards and secured / credit-builder cards (each has its own page). Sorted by the overall score, which weighs rewards on a typical spending profile, the welcome offer, the annual fee, credits you would likely use and the ongoing APR. Partner (affiliate) links never change which cards appear or their order; an Apply button may become a labelled partner link, but the ranking is the same either way.

Card details come from our database, which is verified against each issuer’s website; see our methodology, editorial policy and corrections policy.

Best Credit Cards FAQ

Which credit card ranks highest right now?

Chase Sapphire Reserve® (Chase) has the highest overall score among the 291 credit cards we compared, followed by American Express® Gold Card and Citi Strata Premier® Card.

How many credit cards did you compare?

291 live consumer cards with an overall score, after leaving out store, business, student and secured cards. The page shows the top 50.

Do the best credit cards charge an annual fee?

195 of the 291 cards here have a $0 annual fee, and 20 of the top 50. A fee only pays off when the extra rewards and credits you would use add up to more than it costs.

What is the best credit card overall?

The card at the top of this list has the highest overall score on a typical spending profile. Your best card can differ: use the rewards calculator with your own spending, or pick a category page for one job, such as cash back or travel.

How often is this list updated?

The site rebuilds whenever card data changes in our database and at least once a month. This page was built from data checked November 8, 2026. Always confirm current terms on the issuer’s site.

Related Guides
Best cash back cards →Best travel cards →Best no-annual-fee cards →Best 0% intro APR cards →Best signup bonuses →Best business cards →Best student cards →Cards for good to excellent credit →Cards to build credit (Your Best Credit Builder) →How we score cards →