Best Credit Cards - Top Pick Lists & Calculators

The best credit cards will be the ones that fit your spend habits. Find the best credit cards based on your spend and compare results side by side.

Best Credit Cards of 2021

American Express Gold Card

American Express® Gold Card

Card earns 4 points per $1 spent on U.S. supermarket purchases and restaurant purchases worldwide. Benefits include $120 in annual Uber Cash and $120 in annual dining credits, both split into $10 per month. Points can be redeemed through AMEX or transferred to airline and hotel programs.
American Express Blue Cash Preferred

Blue Cash Preferred® Card from American Express

Earns 6% cash back on up to $6,000 in U.S. supermarket spend per year, then 1% after that. Also earns cash back on U.S. streaming services, U.S. gas station, and transit purchases. Highly recommended if you spend around $500 per month at U.S. supermarkets.
Chase Sapphire Reserve Card

Chase Sapphire Reserve®

Premium/luxury travel card that offers a long list of benefits including Priority Pass membership, a Global Entry/TSA PreCheck credit, and a 50% boost to point value for Chase Travel Portal redemptions. Card earns 3 points per $1 on travel and dining purchases. Points can be redeemed through Chase or transferred to airline and hotel programs.
Bank of America Cash Rewards Card

Bank of America® Cash Rewards Credit Card

Offers 3% cash back in the category of your choice, 2% back at grocery stores and wholesale clubs, and 1% back on all other purchases. If you're a Preferred Rewards member, you can earn 25% to 75% more cash back on every purchase. No annual fee!
Citi Premier Card

Citi Premier® Card

Great well-rounded card that earns 3 points per $1 on airfare, hotel, gas station, supermarket, and restaurant purchases. Points can be redeemed with Citi or be transferred to airline partners.
Wells Fargo Propel AMEX Card

Wells Fargo Propel American Express® Card

No annual fee card that's great for earning rewards towards travel. Earns 3 points per $1 on travel, gas station, transit, dining, and streaming service purchases. Pair it with the no annual fee Wells Fargo Visa Signature Card and you'll be able to redeem points for 1.5 cents each towards airfare.

Business Credit Cards

If you're looking for the best business credit cards, you can check out the The Point Calculator Business Credit Cards Hub which features all of the best credit card lists specifically for business cards.

Best Credit Cards By Category

If you spend a lot in a specific category, you may want to consider finding a rewards card that offers a great return in that category. Get our top picks for best credit cards in each category and calculate which cards can earn you the best return.

best cards for airline miles

8 Best Credit Cards For Airline Miles

With the right credit cards, you can earn airline miles to put towards free flights more often. Get our best picks and calculate rewards based on spend.
best cards for cash back

8 Best Cash Back Credit Cards

Finding the best credit cards for maximizing your cash back is key. Get our top picks for best cash back cards of 2021 and calculate how much you can earn.
best cards for gas spend

6 Best Credit Cards For Gas Spending

If you want to earn rewards on your gas, there's many great options to choose from. Get our best picks and calculate total rewards based on your spend.

8 Best Credit Cards For Hotel Rewards

Having the right hotel rewards cards in your wallet can earn you free nights faster. Get our best picks and calculate which cards are best based on spend.

Best Credit Cards By Bank

Sometimes you want a credit card with a specific bank and these lists can help with that. Get our top picks for best credit cards with each bank and calculate which cards will bring you the best bank for your buck.

american express

7 Best American Express Credit Cards

American Express offers some of the best credit cards in the market. Get our top picks and find out which AMEX cards are best for you based on your spend.

Best Credit Cards By Fees

If you're looking for credit cards with no annual fee, credit cards with no foreign transaction fee, or credit cards without both, we got you covered. Get our top picks and calculate which cards save you the most money.

no annual fee

12 Best No Annual Fee Credit Cards

Who says you can't earn great rewards with a no annual fee credit card? Get our picks for best cards and calculate how much you can earn based on spend.

Best Credit Cards By Retailer

There's nothing like earning a fantastic return spending with one of your favorite retailers. Get our top picks for best credit cards by retailer and find out which cards are worth considering to maximize your returns.

Best Credit Cards By Hotel

If you're looking to earn free nights, you'll want the credit cards that earn you the most points. Get our top picks for best credit cards for each hotel chain and calculate which cards can earn you the most points at each chain.

Best Credit Cards
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