Best Credit Cards of 2026

Ranked using the average American spending profile (BLS 2024): $475/mo groceries, $250 dining, $170 travel, $175 gas, $45 streaming, $650 other.

Use your own spending →

Chase Sapphire Preferred®

$1,279

first year

$95/yr · Ongoing: $529/yr · Bonus: +$750

5x on travel via Chase portal3x on dining & groceries

Apply →

American Express® Gold Card

$1,142

first year

$250/yr · Ongoing: $392/yr · Bonus: +$750

4x at US supermarkets (up to $25k/yr)4x at restaurants worldwide

Apply →

Citi Strata Premier℠ Card

$1,124

first year

$95/yr · Ongoing: $374/yr · Bonus: +$750

3x on groceries, dining, travel & gas$100 hotel discount benefit/yr

Apply →

Capital One Venture X

$942

first year

$395/yr · Ongoing: $192/yr · Bonus: +$750

10x on hotels & rental cars via C1 Travel5x on flights via C1 Travel

Apply →

The Platinum Card® from Amex

$922

first year

$695/yr · Ongoing: -$328/yr · Bonus: +$1,250

5x on flights booked direct & via Amex Travel$200 airline fee credit/yr

Apply →

Chase Sapphire Reserve®

$850

first year

$550/yr · Ongoing: $100/yr · Bonus: +$750

3x on dining worldwide5x on flights via Chase Travel

Apply →

Bank of America® Premium Rewards®

$787

first year

$95/yr · Ongoing: $287/yr · Bonus: +$500

2x on travel & dining$100 airline incidental credit/yr

Apply →

Blue Cash Preferred® Card

$771

first year

$95/yr · Ongoing: $471/yr · Bonus: +$300

6% at US supermarkets (up to $6k/yr)6% on select streaming

Apply →

Chase Freedom Unlimited®

$720

first year

No annual fee · Ongoing: $520/yr · Bonus: +$200

3% on dining & drugstores5% on travel via Chase portal

Apply →

Citi Double Cash® Card

$624

first year

No annual fee · Ongoing: $424/yr · Bonus: +$200

2% on everything (1% + 1% when paid)No annual fee

Apply →

Wells Fargo Autograph℠ Card

$565

first year

No annual fee · Ongoing: $365/yr · Bonus: +$200

3x on restaurants, travel, gas, streamingNo annual fee

Apply →

Blue Cash Everyday® Card

$558

first year

No annual fee · Ongoing: $358/yr · Bonus: +$200

3% at US supermarkets (up to $6k/yr)3% on select streaming

Apply →

Capital One Quicksilver

$518

first year

No annual fee · Ongoing: $318/yr · Bonus: +$200

1.5% cash back on everythingNo annual fee

Apply →

Bilt Mastercard®

$365

first year

No annual fee · Ongoing: $365/yr

Earn points on rent (no fee)3x on dining

Apply →

Discover it® Cash Back

$296

first year

No annual fee · Ongoing: $296/yr

5% rotating quarterly categoriesCashback Match™ first year

Apply →

Rankings based on average US spending. First-year value includes welcome bonus (estimated cash equivalent). Point values: Chase UR 1.25¢, Amex MR 1.25¢, C1 Miles 1¢. CardIQ may earn a commission if you apply.