These Are The Best Credit Cards Offered In The US Right Now & Many Have Huge Bonuses
Spending money will actually give you cash back! 💰
A person holding different credit cards. Right: A person paying with a credit card.
If you've been thinking about building your credit, signing up for a credit card might be your next step in doing so. But how can you make the right choice when looking for the perfect card?
What qualifies as "the best" depends on what Americans are looking for in a credit card, like awesome cash-back offers, low-interest rates, huge sign-up bonuses, and cool extra rewards just for owning one.
Each month, financial experts or advisors at Forbes and Nerd Wallet share what they think to be the best cards in the market right now, and there are a few both publications seem to rave about.
The one that receives a resounding five out of five stars from these money pros is the Wells Fargo Active Cash card, which doesn't force users to pay a pesky annual fee, and has an impressive 2% cash-back rate on all purchases.
This card also has a friendly intro period for new users with no annual percentage rate (APR) for the first 15 months. After that, the APR will either be 19.49%, 24.49%, or 29.49%.
Another top-rated card that financial experts recommend is Chase's Sapphire Preferred Card, which comes with some pretty big bonuses, including receiving 60,000 points (valued at $750) when you spend $4,000 on the card within the first three months.
Despite the card's pricier $95 annual fee, financial sites like The Points Guy say it's "the best" for beginners and travelers thanks to the hefty point bonuses for using the card while dining out or buying plane tickets.
However, if you really like to eat out at restaurants and enjoy attending a concert or watching streaming services, then Capital One's SavorOne Rewards cash back credit card might be your best option.
In March, Nerd Wallet gave this card five out of five stars for its $0 annual fee and the welcome 0% APR intro period.
Additionally, this one also has a ton of ways to earn money back simply for spending with the card, like the unlimited 3% cash back on dining and entertainment and a massive 10% cash back when using it on Uber apps.