Why this credit card is among the best: With the opportunity to redeem points for a disproportionately high value, this card provides added incentives for dining and travel.
Top qualities: The Chase Sapphire Preferred Card earns five points for every dollar spent on travel through Chase Ultimate Rewards (with the exception of hotel purchases that are eligible for the card's $50 anniversary hotel credit);
three points for every dollar spent on dining, including eligible delivery services, takeout, and dining out; three points for select streaming services; two points for online grocery purchases; and one point for every dollar spent on all other purchases.
By making $4,000 in purchases during the first three months of opening their account, new cardholders can receive a sign-up bonus of 60,000 points.
Another card to think about is the Blue Cash Preferred Card from American Express, which offers 6% cash back on up to $6,000 in annual supermarket purchases made in the United States, 6% cash back on a select number of streaming subscriptions made in the United States, 3% cash back on gas and transportation, and 1% cash back on all other purchases.
Discover it® chrome - Why this credit card is among the best: For those who frequently spend money on gas and eating out, this credit card with no annual fee offers cash back benefits.
Top qualities: In addition to earning 1% cash back on all other transactions, the Discover it Chrome earns 2% cash back at gas stations and restaurants on combined purchases up to $1,000 every quarter.
Also, for 15 months, purchases and balance transfers on the card will have a 0% initial APR; after that, depending on creditworthiness, a variable APR of 16.74% to 27.74% will apply. Discover will match all of the cash back you've accrued by the end of your first year of card use.
Another card to think about is the Chase Freedom Flex card. With this card, you can earn 5% on up to $1,500 in combined purchases made in bonus categories each quarter you activate it, as well as 5% on travel booked using Chase Ultimate Rewards. Also, you can earn 3% on purchases made at pharmacies and 3% on meals at restaurants, including takeaway and qualified delivery services. For all other purchases, 1% cash back is given.