The five best credit cards, according to Reddit users
When it comes to financial advice, whom do you trust more, credit unions and banks or a stranger on Reddit whose username is “former_college_DJ”?
Sounds like a trick question, doesn't it?
But here’s the thing: Most financial institutions sell products to make a profit, including credit cards.
Reddit, on the other hand, is an internet town square filled with people offering opinions based on their real-life experiences.
So along with reading several credit card brochures—including that notorious fine print—Reddit can actually be a helpful resource by providing a nuanced perspective on the best cards.
Below is a round-up of five credit cards Redditors just swear by.
Capital One SavorOne Cash Rewards Credit Card
“Great for people who don’t want a lot of cards or deal with rotating categories and spend caps.” - d3monX.
Reddit users repeatedly recommend the Capital One SavorOne Cash Rewards Credit Card if you want cashback rewards on grocery store purchases, dining, and streaming services.
It offers 10% cashback on Uber Eats, 8% cashback on Capital One Entertainment purchases, 5% cashback on hotels and rental cars booked through Capital One Travel, unlimited 3% cashback on dining, entertainment, and grocery store purchases, and 1% cashback on all other purchases.
That's a lot of ways to get cash back.
- No annual or foreign transaction fee
- Receive $200 when you spend $1,000 in the first 90 days
- $200 after you spend $1,000 in your first three months.
- 0% APR on balance transfers for 15 months
You need a credit score of at least 670, although 700+ makes it easier to qualify.
Citi Double Cash® Credit Card
“I follow credit cards pretty carefully, and I really don’t think you can beat the Citi Double Cash card. “- [deleted user]
Reddit users love the Citi® Double Cash Card because it has no annual fee and comes with a flat-rate cashback earning structure. As such, it’s a great choice for students or professionals who want a simple card to earn rewards for spending.
Get a 2% cashback reward - 1% when you buy something and an additional 1% when you settle the balance. Because there are no limitations, this applies to every purchase you make.
- No annual fee
- 0% APR on balance transfer for 18 months
- No limit on the amount of cash back that can be earned
The Citi® Double Cash Card is available to those with “fair credit,” usually a score from 580-669. However, different lenders may use other scoring models.
Chase Amazon Prime Rewards Visa Signature Card
“I’ve had the Chase Amazon Prime card for years and really like it.” - Colonel_Gipper.
This card, issued by Chase Bank, has no annual or foreign transaction fees. It’s best suited for individuals who frequently shop at Amazon and Whole Foods.
So long as you have a Prime membership, you get 5% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases. You’ll also receive 2% cashback at gas stations and restaurants and 1% on all other purchases.
- $100 Amazon Gift Card
- Travel and purchase protection
- Visa Signature Luxury Hotel Collection and Concierge Service
You’ll need a good credit score, preferably 670 or above, to qualify. Although there’s no annual fee, this credit card is only available to consumers with an Amazon Prime membership, which is $139 per year or $14.99 per month.
The Chase Sapphire Reserve® Credit Card
“I’d say the Sapphire Reserve because it is the best general travel card.” - juan231f
The Chase Sapphire Reserve® Credit Card is ideal for travelers seeking a credit card offering premium benefits. It provides 10x points for Chase Dining purchases and hotels and car rentals booked via Chase Ultimate Rewards®.
Moreover, you’ll earn five points for flights through Chase Ultimate Rewards®, along with three points for dining and other travel expenses, after utilizing the $300 annual travel credit.
- Earn 60,000 points worth $900 toward travel when you spend $4,000 on purchases in the first three months from account opening.
- Redeem Chase Ultimate Rewards points for travel through various hotel and airline partners.
- Priority Pass Select membership with access to more than 1,300 luxury airport lounges worldwide.
Approved applicants for the Chase Sapphire Reserve® credit card usually have an excellent credit score of 760 and above.
American Express® Gold Card
“I dine out three to five times a week and have been a GrubHub user for years, so this card was made for me. “- ndmcspadden.
The Amex Gold card is popular among Reddit users who like grocery and dining out rewards. It offers up to $120 rewards in Uber Cash (for rides or Uber Eats) and annual dining credits of up to $120 with eligible partners Grubhub, Shake Shack, The Cheesecake Factory, and more.
Earn up to four points per dollar (up to $25,000) on restaurants worldwide, then one point per dollar after that. You’ll also get three points per dollar on flights booked directly on AmexTravel or airlines and one point per dollar on all other eligible purchases.
- No foreign transaction fees
- Earn 60,000 Membership Rewards points if you spend $4,000 on eligible purchases with your new card within the first six months of account opening.
- The card offers $240 in annual credits that can be used to offset the $250 annual fee, which means you’ll effectively only be paying $10 per year for the card.
American Express doesn’t disclose its minimum credit score, but it’s safe to assume for this premium card, you’ll need an excellent credit score of 670 or higher.
The best credit card depends on your lifestyle
The Reddit community has spotlighted diverse credit cards capable of transforming how you manage your finances, whether through maximizing rewards, enjoying travel perks, or enhancing everyday spending.
But, ultimately, it’s up to your lifestyle and financial situation. Regardless of the card, most Reddit users agree that you need to actively take advantage of the benefits for it to be worthwhile.
Remember, if you’re unsure which to choose, it’s wise to seek financial guidance from a certified expert, such as a credit advisor. And don't forget the fine print.