Best Credit Cards of 2025

If you’re looking for a $0-annual-fee card with a strong cash back earning potential, it’s hard to beat the Discover it^® Cash Back.

The Rewards: As a cardholder, you can earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically Getting 5% back on a $0-annual-fee card is nearly unheard of. This card earns rewards no matter where you use it, but if you're willing to spend strategically, this card can rake in some truly massive rewards.

The Welcome Offer: On top of a stellar rewards structure, this card boasts Discover’s famous Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. There are no hoops to jump through, just double the rewards at the end of year one. It’s important to remember that this offer doesn’t repeat after the first year though.

Annual Fee: $0

The Bottom Line: If your goal is to maximize your cash back rewards, this card is a no-brainer. Tracking the rotating categories might not be for everyone, but it’s hard to argue with reward rates this high. It also helps that the purchase categories include grocery stores, gas stations, restaurants, and Amazon.com.

When it comes to travel cards with big sign-up bonuses, this one takes the cake.  

Welcome Offer: You can earn an additional 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. Most sign-up bonuses require you to spend much more to qualify, so we think this is a steal. 

Flexible Points: You can redeem your points for statement credits to pay for travel or dining purchases, including flights, hotel stays, car and vacation rentals, baggage fees and at restaurants (including takeout).  

Annual Fee: $0

Bottom Line: A $0 annual fee, a generous sign-up bonus and flexible points make this card a shining gem in the cash-back space. 

This straightforward card is a workhorse when it comes to paying off high-interest credit card debt. It stands out for offering nearly two years of 0% intro APR on both purchases and balance transfers.

0% APR Offer: This card offers 0% intro APR for 21 months from account opening on qualifying balance transfers, and then 17.24%, 23.74%, or 28.99% Variable APR. And you get the same lengthy intro period on purchases: 0% intro APR for 21 months from account opening , and then 17.24%, 23.74%, or 28.99% Variable APR.

The Perks: You won’t rack up any credit card points with this card, but we think the lengthy 0% intro period makes it well worth owning.

The Annual Fee: $0

The Bottom Line: This no-frills card might not be the flashiest, but if your goal is to pay down credit card debt as efficiently as possible, you can’t beat it. During the almost two-year no-interest period, you’ll be able to put more of your monthly payment toward paying down your balance instead of paying off interest charges.

This card is a lean, mean, cash-back-earning machine. It lets you earn rewards on every single purchase, and it offers a pretty high rewards rate for certain travel purchases.

The Rewards: Cardholders earn 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). If you’re looking to earn cash back without having to spend time gaming a points system, this card is a great option.

The Perks: On top of the valuable cash back rate, it also offers some appealing perks for new cardholders. Plus, earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

The Annual Fee: $0

The Bottom Line: This card makes it easy to earn rewards fast. If your primary goal is to earn cash back, you can’t go wrong with a card offering unlimited rewards on every purchase.

This business card is a strong addition to any entrepreneur's wallet. With a strong rewards rate and a lengthy intro APR period, it's packed with value. 

Intro Purchase APR: 0% Intro APR on Purchases for 12 months, and then 17.49% - 23.49% Variable APR applies.

Rewards: Earn unlimited 1.5% cash back on every purchase made for your business 

Extras: Cardholders can earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Annual Fee: $0

The Citi Double Cash^® Card is the perfect card for earning cash back on all purchases without having to follow category restrictions throughout the year.

Intro Balance Transfer APR: Intro APR of 0% intro APR for 18 months on Balance Transfers and then 18.24% - 28.24% (Variable) once that intro period is over.

Intro Purchase APR: N/A - this card has an ongoing APR for purchases of 18.24% - 28.24% (Variable).

Rewards: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

Extras: There aren’t any caps on the cash back you earn and no categories to worry about, making maximizing your cash back simple.

Annual Fee: $0.

Finding a card that checks every box isn’t easy — a generous cash back rewards, a massive welcome offer, a 0% intro APR period, and no annual fee. But with Discover it^® Chrome you get it all.

The Rewards: Take advantage of 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically.

The Welcome Offer: As a cardholder, you’ll get the famous Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. It’s hard to argue with extra cash back. Just remember that this offer is only valid in the first year.

Annual Fee: $0

The Bottom Line: This card is like a financial Swiss Army Knife. It makes it easy to pad your wallet with cash back and it even doubles your rewards at the end of your first year as a cardholder. We think this card is too good to pass up.