Best credit card on Reddit
366 reviews from r/CreditCards, r/CreditCardsIndia, r/PersonalFinanceCanada and 19 more subreddits
366 reviews from
and
By Brand
/By Product
#1
Chase
4.5
(41)
"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."
"Chase. Hyatt transfers have the best redemption value."
#2
Capital One
4.5
(37)
"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."
"Great for first card with a steady profile like yours."
"Since it is your 2nd card and 0/24, you can get approved for venture x."
"I would look at Capital One Venture or better the more premium Venture X."
#3
Wells Fargo
4.4
(27)
"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."
"WF autograph is a great choice for you then."
#4
Amex
4.4
(25)
"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."
"Popular among travelers for Lounge Access & travel points."
"I’d suggest getting Amex Gold to get points for traveling."
#5
Citi
4.3
(25)
"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."
"Citi Custom Cash 5% cashback on your top spending category."
"The Citi Double Cash credit card, and the BankAmericard."
#6
American Express
4.4
(24)
"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!"
"Great travel rewards and benefits for frequent travelers."
"Airport lounges are a game changer and the perks cancel out the yearly fee."
"The Blue Cash Everyday card is a great choice for occasional renters, offering no annual fee and premium car rental insurance."
#7
SBI
4.5
(23)
"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."
"Start with SBI Cashback Card and ICICI Amazonpay"
#8
HDFC
4.3
(19)
"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."
"HDFC Infinia. No nonsense 16.6% reward rate in flights."
"Swiggy HDFC is great if you order a lot from Swiggy."
"Regalia gold requires 3.5L fd."
"You should be able to get Regalia Gold with 5L FD."
"HDFC Infinia."
"Millenia, Swiggy hdfc, Tata neu, etc would help."
#9
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
Axis
4.2
(11)
"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."
"Axis airtel card"
#11
AMEX
4.6
(10)
"The only thing that makes sense here is Amex MRCC + Plat Travel."
"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."
"I would go for: Amex MRCC."
#12
Scotiabank
4.2
(9)
"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."
"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."
"The scotiabank passport or Amex gold."
"The Scotia Amex Gold is a great choice if forex is not your main concern."
"Scotiabank passport has free lounge access but terrible point multiplier."
#13
Discover
4.2
(9)
"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."
"Discover IT Cashback."
"Unsecured cards he might get approved for are Capital One Quicksilver and Discover It."
"Discover is a solid card to start with."
"Discover it is 10% on your first year of rotating categories."
"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."
#14
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."
#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
Bank of America
4.0
(5)
"You can get 3.5% cash back on the Customized Cash Rewards card."
"Gives 2% cash back on wholesale clubs and groceries."
"You get to pick one category to earn 3% cash back on every quarter"
"Bank of America Customized Cash Rewards gives you 3% on select categories and gas is one them."
"Bank of American Customized Cash Rewards 3% online shopping."
#17
Emirates NBD
4.8
(4)
"5% CASH BACK in utilities, fuel, electronics, education and groceries."
"IS THE BEST WITH 5% CASH BACK in utilities, fuel, electronics, education and groceries."
"It covers all the expenses you mentioned."
"5% back on groceries and utilities."
#18
U.S. Bank
4.5
(4)
"It's one card that you can use everywhere and gain travel rewards."
"Great for high spending without caps."
"4% travel and 4% gas."
"Look at the U.S. Bank Altitude Connect."
#19
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."
#20
Bilt
4.0
(4)
"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."
#21
BofA
5.0
(3)
"A 2% card, BofA unlimited cash rewards (1.5/2.25/2.625%)"
"Stay with BOA & open Unlimited Cash Rewards or Premium Rewards w/ 1.5% cashback."
"I would do that and use the Unlimited Cash Rewards card."
#22
WF
4.7
(3)
"WF Autograph"
"**WF Autograph**, 3% travel and dining, no currency conversion fee."
"The WF Autograph is ideal for frequent travelers, offering 3% cash back on dining, travel, transit, and gas."
#23
Airtel
4.3
(3)
"These four cards will get you the maximum return."
"Then Airtel Axis would be great."
"10% upto 500 every month for big basket."
#24
Citi Custom Cash
4.0
(3)
"The Citi Custom Cash card is 5% on highest spend category."
"Citi Custom Cash for dining?"
"Citi Custom Cash should work great up to $500."
#25
HSBC
4.0
(3)
"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%."
#26
Venmo
4.0
(3)
"3% back on btc or eth (depending on the month) has done me well."
"The Venmo credit card gives 3% unlimited cash back at Costco."
"The Venmo credit card earns 3% unlimited at Costco."
#27
Chase Ink
5.0
(2)
"Chase Ink card are about best around for SUBs."
"Chase Ink cards have good sign up bonus."
#28
IHG
5.0
(2)
"IHG Premiere hands down! 4th night free with points."
"Look at the IHG Premier card. The welcome bonus is 140k points."
#30
Atlas
5.0
(2)
"Just take Atlas and chill. GEt nothing else"
"Atlas is best option. No jumping thru 3rd party hoops"
#31
Hyatt
5.0
(2)
"You could get as many as 17 free nights with the current hyatt bonus."
"World of Hyatt in Chase’s ecosystem."
#32
Discover It
4.5
(2)
"Everyone on this sub loves to recommend the Discover It."
"I started with the Discover It card and it's good."
#33
Axis Atlas
4.5
(2)
"Consider an Axis Atlas card."
"With Axis Atlas you can get good reward rate."
#34
Infinia
4.5
(2)
"Infinia is a no - nonsense card. For forex, if you enable global value program, you get 1% additional cashback."
"In my opinion, obtaining an Infinia card should be relatively straightforward."
#35
Apple
4.5
(2)
"If you use Apple iPhone, I think the Apple Card could be a good fit."
"I really like the Apple Card because I get minimum 2% (tap to pay) and 3% for any in app purchases."
#36
Amazon Pay
4.5
(2)
"You get 5% cashback on the card."
"I'd get Amazon Pay ICICI, get Prime shopping edition."
#37
Amazon
4.5
(2)
"Daily driver, I use Amazon a lot, so this works out."
"Try to get some LTF card like Amazon ICICI."
#38
Tata Neu Infinity
4.0
(2)
"If you are going to purchase from Tanishq."
"I’ve heard that the tat neu infinity is a good cc for buying gold."
#39
ICICI Bank
4.0
(2)
"ICICI Bank Amazon pay"
"Amazon pay icici is a good option as its ltf"
#40
Wio
4.0
(2)
"Is your best, u get 2% on almost everything with monthly cap of 2500 AED."
"Wio and get a cashback in real money instead."
#41
PNC
4.0
(2)
"Gas 4% with PNC Cash Rewards."
"Is 4% on gas."
#42
SIB
4.0
(2)
"SIB cashback card with apple pay or samsung pay 10% cashback."
"Stick to SIB Cashback."
#43
Amazon Pay ICICI
4.0
(2)
"Is really good."
"Maybe Amazon Pay ICICI would do."
#44
Rogers
3.5
(2)
"If you happen to be a Rogers customer, the Rogers card gives 3% back on all purchases if you redeem against your roger's bill."
"Rogers Mastercard is a great option except they often only offer very small limits when you first apply."
#45
Maribank
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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