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Looking for the best credit cards USA in 2025? Whether your goal is to travel earning miles, earn cashback, or just have a trusted card, here’s where you’ll find out what it is!
We’ll break down the top credit cards in the United States, which have dominated the market this year, including the best features, fees, and rewards programs they offer.
So, if you are wondering which credit card will give you the most benefits without spending too much, you should read on as you will find all the relevant information about the best credit cards USA 2025.
6 Main Options credit cards USA 2025
1. Wells Fargo Reflect
Wells Fargo Reflect® is one of the best U.S. cards, which today charges a 0% introductory annual fee for 21 months on purchases and balance transfers. After the introductory period, the APR varies between 17.24% and 28.99%;
While it doesn’t offer a rewards program, Wells Fargo Reflect does offer cell phone protection and doesn’t charge an annual fee. This makes it a solid option for those who want to avoid high-interest rates while managing large balances.
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2. US Bank Shield™ Visa (Best credit cards USA 2025)
If you travel frequently, the US Bank Shield™ Visa® may be the ideal card for you.
Firstly, your interest rate is 0% for the first 18 billing cycles on purchases and balance transfers. After the introduction period, the interest rate jumps to 17.74% to 28.74%.
Its main advantage is cashback. This will earn you 4% cashback on travel purchases made through US Bank Rewards.
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Plus a $20 annual credit if you use your card within 11 months. It also includes cell phone protection. And it will also have a great bonus for those who want to protect their devices on the go.
3. Chase Freedom Unlimited
The Chase Freedom Unlimited is one of the most complete cards available in 2025.
Regarding APR, the rate is 0% in the first 15 months on purchases and balance transfers. After the launch period, the APR ranges from 18.99% to 28.49%, depending on your credit profile.
However, what differentiates it are its categories of rewards, you will earn cashback, as follows:
- 5% cashback on trips purchased through the Chase portal;
- 3% in pharmacies and restaurants;
- 1.5% on all other purchases.
The card offers a $200 bonus after spending $500 in the first 3 months.
4. Blue Cash Everyday da American Express (Best credit cards USA 2025)
For those who spend a lot in supermarkets, Blue Cash Everyday is the most suitable option.
At first, it offers 0% annual interest for the first 15 months, this card adjusts to a variable annual rate of 20.24% to 29.24%. On this card, you will not have to pay an annual fee, one less cost to worry about.
In addition, you will earn 3% cashback in US supermarkets (up to $6,000 per year), and also in online stores and gas stations.
In addition, there is a $250.00 bonus after spending $2,000.00 in the first 6 months.
5. Capital One Savor Cash Rewards
If you spend a lot on restaurants, entertainment and streaming services, the Capital One Savor Cash Rewards card is an alternative you should consider.
After 15 months of using the card, you will pay an annual APR ranging from 19.24% to 29.24%.
You’ll get some of the money back, getting 3% cashback on restaurants, entertainment, and streaming, with a 5% bonus on trips purchased by Capital One Travel.
Also, you have a chance to earn a $200 bonus after spending $500 in the first 3 months. In addition to a $100 travel credit.
By the way, this is one of the credit cards for international travel, which will certainly help you save anywhere.
6. Citi Strata (Best credit cards USA 2025)
The Citi Strata card offers many advantages for those who like to travel, offering 0% interest rate for 15 months on purchases and balance transfers. After this time, the interest rate varies between 19.24% and 29.24%.
It is more suitable for those who want to earn miles, receiving:
- 5 points per dollar on trips booked through CitiTravel;
- 3 points in supermarkets, gas stations and transport;
- 2 points in restaurants.
In addition, you can earn a bonus of 30,000 points after spending $1,000 in the first 3 months.
Frequently Asked Questions About US Credit Cards
1. What do the complaint notes mean and how to use them?
Complaint notes are reviews made by consumers about their experience with a business or bank, and they are compiled on platforms such as the Better Business Bureau (BBB), Consumer Affairs, and Trustpilot.
These reviews help give you an idea about a credit card issuer’s reputation.
The BBB score, for example, evaluates the reliability of the bank or financial institution, taking into account the way it resolves conflicts and customer complaints.
A low rating indicates a high rate of unresolved complaints or grievances. While a higher score means a good customer service record.
It is important to use this information when choosing a card, as an institution with good reviews tends to offer more efficient support and quick solutions in case of problems.
2. Are co-branded cards, such as Amazon Prime Visa, worth it?
Co-branded cards are issued in partnership with major retailers and offer specific benefits for purchases within these stores, such as Amazon Prime Visa.
This type of card is interesting for those who are already Amazon Prime subscribers, as it offers 5% cashback on purchases at Amazon and Whole Foods. In addition to additional benefits such as gift cards in the approval.
Conclusion (Best credit cards USA 2025)
These are the best US credit cards in 2025 for all types of spenders.
Whether it’s avoiding interest with long APR periods, earning cashback at restaurants, or taking advantage of top-notch travel rewards, there’s an ideal card.
Always evaluate the broadcaster’s APR, rewards, fees, and reputation before making a decision. Always keep in mind that the best card is the one that matches your financial goals and spending habits.