Best credit card on Reddit

418 reviews from r/CreditCards, r/CreditCardsIndia, r/PersonalFinanceCanada and 22 more subreddits

418 reviews from

and

By Brand

By Product

Capital One

4.4

(49)

"Venture X is a no brainer for you. You'll use the $300 travel (through C1 portal) in a trip and rack up miles like crazy."

"Venture X will pay for itself if you book through C1’s portal."

"Groceries: Capital one Savor."

"3% grocery (note that Walmart, Target, and club warehouses don’t code as grocery) - 3% dining - 3% entertainment - 3% popular streaming - 5% hotels and rental cars booked through Capital One Travel"

"Savor is perfect for you. It covers 3% at grocery stores, dining, entertainment, and popular streaming services."

"I really like my Capital One Venture X. It has gotten me a good amount of free flights and hotels."

"I like Savor from C1 for food."

"I would recommend the Capital One Savor Rewards and the American Express Blue Cash Everyday."

"Cap One Venture X: $395/year but you get hotel credit $300/year in miles."

"Gives you 3% back on dining, groceries."

Chase

4.5

(44)

"Probably your best bet. Sapphire (Reserve or Preferred) for travel and restaurants"

"Chase Ink Unlimited (no annual fee and 1.5% cash back)."

"Put Chase Sapphire Reserve on your research list."

"Chase Sapphire Preferred is a great starting card."

"Ditto Chase, I’ve been using it for years."

"It's been amazing for travel. I highly recommend it."

"5% Amazon & 2% Gas & 10% rotating items on Amazon."

"If you already subscribe to amazon prime, then getting that card is an obvious recommendation."

"5% at Amazon.com and Whole Foods Market, 2% on Transit, Gas, and Restaurants."

"This would unlock rotating categories points for you."

Wells Fargo

4.4

(31)

"That's a great card because good rewards everywhere."

"Look at the Wells Fargo Autograph."

"Wells Fargo Autograph is a much better card because the multipliers are very good"

"As a good no annual fee dining, travel, and transit card."

"$0 annual fee, no foreign transaction fee."

"The best no annual fee travel card."

"This card has 3x several categories."

"3% on dining, gas and travel expenses."

"3% dining, gas, travel, transit, and other benefits."

"Wells Fargo autograph is one of very few cards that doesn’t cap fuel rewards."

Amex

4.4

(30)

"More aggressive with offering the 175k bonus recently"

"Amex Plat travel would be a great card."

"The only thing that makes sense here is Amex MRCC + Plat Travel."

"If you are purchasing from jewellery stores then take amex plat travel."

"I would say Amex platinum travel."

"The Amex Platinum is great for travel."

"Amex platinum baby"

"Amex Gold, HDFC Regalia Gold/Infinia"

"Amex Blue Cash Preferred gives you 3% on rideshares."

"If you are frequent flyer, Amex platinum for lounge access."

American Express

4.4

(30)

"Amex hands down. Expenses for your trip will be quite a bit and you’ll earn a significant number of MR points."

"I got mine within a week and honestly amex rewarding is the best."

"Get the Amex Platinum and get the welcome bonus."

"It has 0 interest for over a year."

"Amex all the way."

"Definitely give that a go. And it's no annual fee."

"Amex gives the best Credit Limit. Blue Cash everyday easy approval, No Annual Fee , decent Categories and higher credit limit."

"3% cashback on gas and groceries, as well as 3% back on online retail."

"The Amex Platinum provides excellent travel rewards and perks, especially for frequent flyers."

"Great for cash back rewards!"

Citi

4.4

(30)

"Cover 2 of those categories at 5 percent"

"I'd suggest a Citi Strata. The signup bonus is $655 net of the annual fee."

"Citi Strata Premier and wells autograph"

"5%, $1000 spending per month, just make sure it is your #1 spend category."

"5% back in one category up to $500 per month."

"The easiest is probably the citi custom cash."

"The best option right now. It gives 5% cash back."

"I would go for the Citi Custom Cash - Earn 5% cash back on your top eligible spend category."

"Citi Custom Cash - 5.556% up to $500 spend/mo."

"Citi Custom Cash can get you 5% on up to $500 of gas station purchases per month."

SBI

4.5

(25)

"SBI Cashback card is most recommended for online spends."

"I can recommend the following: 1. SBI cash back"

"These four cards will get you the maximum return."

"Just take sbi cashback and don't worry about anything."

"I guess SBI Cashback is the best."

"More recommended because all online spends give you 500 cashback."

"Seems like a good option for you if you spend online as it would give 5% CB."

"Why not SBI cashback for 5% on all online?"

"Use it to buy indian oil voucher on parkplus and get 5%+2% cashback."

"It’s the best card that you can get."

HDFC

4.3

(21)

"2. HDFC Millenia / Swiggy (if you use Swiggy a lot)"

"Swiggy HDFc + Amazon ICICI + SBI Cashback."

"HDFC Infinia has a Global Value Program (GVP) which effectively makes the international spends rewarding."

"Has lot of lounge access and you get high reward rate."

"Depending on where you spend."

"HDFC Infinia. No nonsense 16.6% reward rate in flights."

"Swiggy HDFC is great if you order a lot from Swiggy."

"I use HDFC Millennia and Swiggy."

"HDFC Swiggy or SBI Cashback."

"HDFC Swiggy."

US Bank

4.3

(14)

"A good choice would be the secured us bank cash +, you will get 5% cash back in groceries and gas."

"How about the US bank altitude connect (for high travel % returns, travel insurances."

"Does 5% cash back through their travel portal on flights."

"It's a legit travel card with no annual fee."

"US Bank Cash+. 5% cash back on two categories of your choice."

"The U.S. Bank Cash+ is good to get 5% cash back on utilities."

"US bank cash+ is a nice card that allows joint ownership and provides 5% back."

"4 priority pass visits per year for $0 in Annual fees."

"USbank Altitude Connect."

"Can be used for 5% on wireless & internet."

#10

Scotiabank

4.2

(13)

"Get a no-FX fee card for your expenses while traveling, the Scotia Amex Gold is a good option."

"Scotiabank Gold American Express (if you consider doing RHT as cashback)."

"I use the Scotia momentum visa Infinite."

"I’ve gotten anywhere from 8-16% back on grocery orders."

"Consider the scotia amex gold or passport cards."

"Consider the Scotiabank Amex Gold or Scotiabank Passport Visa Infinite."

"I have the Scotia Amex Gold, Rogers World Elite, and the prepaids from EQ Bank, Wealthsimple, and wise."

"Scotia Momentum VISA Infinite - i usually get 300 - 350 cashback."

"Scotia Momentum Visa Infinite Card."

"Scotia Gold Amex don't charge currency exchange fee and give 5x on groceries, dining, entertainment."

#11

Axis

4.3

(12)

"Axis atlas provides significantly better value as compared to other cards in terms for flight bookings."

"Axis Atlas: 4% rewards on all spends and 10% for flights and hotels."

"Axis Atlas. Doesn't make you stick to a single brand of hotels/airlines."

"Would be the best choice if you're into rewards rather than cashback."

"Axis Atlas is a good pick with easier returns compared to other miles cards, especially rewarding for booking airfares and solid lounge access."

"Axis Atlas would be great but if Accor is the focus & airmiles."

"Axis Atlas (benefits explained in every other post)"

"Axis atlas for 7.5 lakh spends"

"ACE is a better choice (5% upto ₹500)."

"For travelling purpose you can go for atlas as it gives accelerated rewards."

#12

AMEX

4.7

(9)

"Absolutely Amex Cobalt. Run all of your grocery and restaurant spending through there."

"I have Amex cobalt for that (5% back on grocery and dining)."

"Amex Cobalt is your best bet to get as much points as possible."

"Alternatively, cobalt is typically listed for the best card."

"Phenominal for points."

"Best points system with great flexibility."

"AMEX SimplyCash Preferred, 4% groceries/gas and 2% everything else."

"SimplyCash® Preferred Card from American Express worked."

"SimplyCash Preferred Card from American Express."

#13

AAA

4.3

(8)

"The AAA travel advantage and bread rewards card are two of the strongest single card earners."

"5%, unlimited"

"Travel advantage would give you 5x gas and 3x travel dining and groceries."

"I'd argue that the Daily Advantage is the better card if you shop Costco."

"AAA everyday 5% groceries 3% streaming gas wholesale clubs."

"5% groceries + 3% wholesale clubs."

"5% gas 3% travel groceries dining."

"AAA daily advantage for straight cashback. 5% back on groceries."

#14

Discover

4.3

(8)

"Discover It Student is an amazing first card if you’re a student."

"The Discover it for Students is a great starter card with rotating 5% cashback categories and an unlimited cashback match during your first year."

"I would recommend Discover it, Capital One Savor, Bilt, or Chase Amazon Prime."

"Unsecured cards he might get approved for are Capital One Quicksilver and Discover It."

"Discover is a solid card to start with."

"Discover it student, or if you have local Chase branches, apply in-person for the Freedom Rise."

"Maybe you should go for something simple like a Discover It? There will be quarters where you earn 5% on Grocery & Gas."

"A great starter card for beginners."

#15

Paypal

4.6

(7)

"PayPal debit card with the category set to grocery gives 5%."

"Check out the PayPal debit card for 5% cash back at Costco."

"The PayPal debit card is the best at 5% back on up to $1000/mo spend."

"A great option for 5% cashback now is the PayPal DEBIT card."

"PayPal debit card gives 5% on a selectable category up to 1k/month."

"Includes 5% cash back on one selectable category."

"Paypal's new debit card is pretty good, allowing selection of 5% cashback for grocery or dining."

#16

SBI Cashback

4.8

(6)

"Purchase Amazon Pay Gift card with SBI Cashback for 5% cashback."

"SBI Cashback CC because your spends are online, it gives 5% cashback on retail online spends."

"Sbi cashback is best for your needs."

"1. SBI Cashback (online spends) 2. Axis Neo for Zomato."

"For online sbi cashback is the best."

"You can try for sbi cashback or Amazon Pay."

#17

Emirates NBD

4.8

(6)

"5% Cashback on Groceries, Fuel, Education, Utilities & Electronics."

"5% CASH BACK in utilities, fuel, electronics, education and groceries."

"IS THE BEST WITH 5% CASH BACK in utilities, fuel, electronics, education and groceries."

"FREE FOR LIFE - 5% Cashback on Groceries, Fuel, Education, Utilities & Electronics Outlets."

"It covers all the expenses you mentioned."

"5% back on groceries and utilities."

#18

Bilt

3.8

(6)

"Bilt is a very good travel card especially with rent. I would also suggest an amex BCE due to the 84$ Disney Hulu credit + excellent 3% online shopping and useful gas and grocery categories + amex offers which rock."

"Look into Bilt for rent - https://www.biltrewards.com/ . Bilt gets you 3x dining, 2x travel, 2x Lyft, 1x else + rent."

"If you rent, get Bilt. 1% back on rent payments."

"If so, get Bilt. No AF."

"Since you rent, use Bilt to pay your rent. It has travel and dining benefits as well."

"Since rent is by far your most expensive payment each month I would at least look into Bilt. It was pretty popular among renters for allowing you to earn points on rent."

#19

HSBC

4.4

(5)

"I would suggest hsbc. It gives 10% cashback for both Swiggy and Zomato."

"Go for hsbc...now a days there are very good offers going on."

"Read about these cards and see which one suits your lifestyle and spends."

"Has that 1000Rs limit for cashback on offline groceries spent."

"Hsbc live plus gives 10%."

#20

Verizon

4.3

(4)

"4% cash back Groceries, Gas, Restaurants."

"Verizon visa (if Verizon customer) 4/4/4 gas dining groceries."

"Gives 4% cash back on gas."

"I use the Verizon Visa (have to be a Verizon customer) for all things gas-related. 4% no AF."

#21

Airtel

4.3

(4)

"These four cards will get you the maximum return."

"That's a good card"

"Then Airtel Axis would be great."

"10% upto 500 every month for big basket."

#22

Citi Custom Cash

4.0

4.0

3.5

(2)

"Maribank Credit Card - Flat 1.7% - 5% Cashback on shopee (Through coins) - No annual fees."

"Just go for maribank CC then."

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