Update: Some offers mentioned below may have changed or are no longer available. View current credit card offerings from our partners at CardCritics Here or on the issuer’s website.

                By                    Gabrielle Olya

There are certain factors that make for an overall good credit card such as low interest rates and fees, and the ability to earn rewards, cash back and other perks. But when it comes down to it, the best credit card for you will depend on exactly what you are looking for in a credit card.

American Express Gold Card

“My favorite credit card is the American Express Gold. While the annual fee is $250, I receive $240 in food delivery credits and also earn four points per $1 on dining and groceries, as well as three points per $1 on all flights regardless of airline. I love that I can transfer my points to multiple airlines/hotels to use for free travel or get cash back if I need it.” Stephanie Cobb, Senior Native Ads Relationship Manager

American Express, The Platinum Card

“American Express is my absolute favorite credit card. For someone like myself who likes to travel, not only can I get up to five times the points on both my room and flight charges, I also get a $200 airline fee credit. Let’s not forget to mention the annual $200 in Uber cash and getting 10 times the points on restaurant purchases. And the icing on the cake: I get out of using my cash at Christmas for gifts — instead, I can use my points to purchase gift cards. So, if you’re a shopaholic, food-a-holic, travel-holic like me, American Express is for you!” Tania Burnett, Media Operations Specialist

Bank of America Customized Cash Rewards

“I use this card the most just because of all the great cash-back rewards I can earn with purchases big or small.” Christine Kayayan, PR & Marketing Manager

“My favorite credit card is my old reliable, the Bank of America Customized Cash Rewards Visa. I get lots of ‘BankAmeriDeals,’ which occasionally give me 5% or 10% rewards from stores/hotels/etc. I love, like Whole Foods or Glossier, but the customized rewards are the best part. I get to choose which category gives me the most rewards (at 3%), and I picked online shopping — a real boon during the pandemic since almost all of my purchases are done online. I’ve had the card for almost 15 years and frequently have a perfect credit score (and have been above 830+ for three years). I could probably go all-in on other cards with bigger rewards, but I know I’m getting as much as hundreds of dollars in cash back every month, which is pretty cool.” Katie Wudel, Director of Content

See: 4 Credit Cards That Are Great for Day-to-Day Errands

Capital One Quicksilver

Capital One VentureOne Rewards

“I chose this card initially when wedding season approached, as the 20,000 bonus miles for spending $500 in the first three months seemed like a good opportunity, considering the amount could essentially be spent on one outing alone. Since then, I’ve spent plenty more on travel to the aforementioned weddings and accommodations, which has earned me 1.25 miles per $1 on every purchase. And since you can spend them on any airline or hotel, the card slowly pays for itself.” Cory Dudak, Editor, Content

Capital One Venture Rewards

“We received a great sign-up bonus and the points are easy to redeem. I’ve used them to cover my travel-related charges for several trips.” Caren Fukushima, Senior Executive/Personal Assistant

Chase Freedom Flex

Learn: The Top Purchases You Should Always Make With a Credit Card

Chase Sapphire Preferred Card

“My favorite credit card is the Chase Sapphire Preferred Card. When I recently got it, the sign-up bonus was 100,000 Chase Ultimate Reward points (basically over $1,000 in free travel). Although it costs $100 per year, depending on your lifestyle, you can make up for this in points via your purchases. It even comes with a free DoorDash subscription!” Patrick Buffum, Product Manager, Optimization (Credit)

“I love my Chase Sapphire Card despite the annual fee. My Sapphire card is used for all things travel — I can easily redeem my points for all travel-related expenses (airfare, lodging, rentals), and I get 25% more value by booking through the Chase portal. Internationally, I have no international exchange fees. I am also provided access to events that are exclusive to cardholders. Not to mention the free DoorDash membership!” Eva Furer, Senior Strategic Planning and Operations Manager

“My wife and I love traveling, and we often use this card because it has access to Chase’s Ultimate Rewards, where we get 25% more value when redeemed for travel. It has no foreign transaction fees so we’re not worried about using it outside the U.S. We’re in Seattle and we often drive up to Vancouver, BC, Canada (pre-COVID times), so we used this card often and we’re not concerned about getting charged with the expensive international fees. Lastly, it has travel and purchase coverage, like trip insurance and even auto rental insurance, so we don’t have to purchase the expensive rental insurance that car rental companies recommend to us.” Jason Jaingue, Senior Director of Product Management

“It’s a good all-around card that doesn’t have a high fee and works well for travel, dining out, DoorDash and even grocery shopping. Rewards include a $50 annual Ultimate Rewards hotel credit, five times the points on travel purchased through Chase, two times the points on all other travel purchases, three times the points on online grocery purchases, three times the points on dining, three times the points on select streaming services, complimentary DashPass subscription from DoorDash, five times the points on Lyft rides, five times the points on Peloton equipment, travel insurance, rental car insurance and the list goes on…” Ravi Mullapudi, Senior Director of Data Engineering & Data Science

Read More: The Quickest Ways To Pay Off Your Credit Card Debt

Citi Double Cash Card

“My favorite credit card is the Citi Double Cash Card because it provides 2% cash back on every transaction forever — 1% cash back when you buy plus 1% cash back when you pay. Other cards don’t have such a consistently positive reward.” Evan Harris, Content Partnerships Specialist

Discover it Cash Back

Discover it Miles

“My favorite card is the Discover travel card: Discover it Miles. There’s no annual fee, plus I get unlimited 1.5 miles for every dollar spent! My favorite part is I can redeem the points to credit my travel purchases or get it back in cash.” Camille Salvador, Staff Accountant

See: Why It’s Still Better To Use Your Credit Card Over Your Debit Card

Southwest Rapid Rewards Plus

“The Southwest Rapid Rewards card is my all-time favorite credit card. They have some amazing rewards, such as earning two times the points for every Southwest Airlines purchase or Southwest travel package (hotel and car rental). I receive 7,500 points each year on my card anniversary, and there are no foreign transaction fees for international purchases. They also offer a companion pass, which allows you to bring a friend or family member to fly with you for free. The annual fee isn’t as high as some of the other rewards cards — it’s only $149 — which, between all the perks, is well worth it.” Jonnie Wheeler, Technical Program Manager

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