🇺🇸 Best Credit Cards in United States (2026)

Last updated May 2026 | 198 cards available

Compare the best credit cards worldwide. AI-updated rankings with real data.

Ranking dos cartões

BankAmericard card art

BankAmericard

Bank of America

1
4.2
Annual Fee Free
Benefits
Minimum Income

"The BankAmericard offers a competitive introductory offer with no annual fee and good rewards on everyday purchases but limited travel perks."

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Discover it Cash Back card art

Discover it Cash Back

Discover

2
4.1
Annual Fee Free
Benefits
Minimum Income

"The Discover it® Cash Back is a personal card focused on cashback rewards. It offers 5% cashback in rotating categories that require quarterly activation and a first-year Cashback Match. The absence of an annual fee or foreign transaction fees, along with excellent customer service, make it attractive, though it has limited travel perks. Ideal for cashback enthusiasts, not suited for frequent travelers."

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Business Platinum Card card art

Business Platinum Card

American Express

3
4.1
Annual Fee $ 895.00
Benefits Membership Rewards · Lounge Access · Travel Insurance
Minimum Income

"The Business Platinum Card by American Express is an excellent choice for business owners looking to maximize travel rewards and premium benefits. With access to over 1,300 lounges worldwide and comprehensive travel insurance coverage, this card suits frequent travelers exceptionally well. Its Membership Rewards program allows for flexible point transfers to numerous airlines, optimizing the value of your transactions. However, the high annual fee and lack of cashback options might deter some users. This card is best suited for business owners who wish to travel in style and security."

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Amazon Business Prime American Express Card card art

Amazon Business Prime American Express Card

American Express

4
4.1
Annual Fee Free
Benefits 5% Cashback · Travel Insurance
Minimum Income

"The Amazon Business Prime American Express Card is ideal for small business owners who frequently shop on Amazon. It offers a high 5% cashback on Amazon purchases with no annual fee and no foreign transaction fees. However, travel benefits are limited and there is no significant intro offer. It's suitable for businesses prioritizing frequent Amazon shopping but not for those seeking to build credit or obtain extensive travel perks."

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Marriott Bonvoy Brilliant Card card art

Marriott Bonvoy Brilliant Card

American Express

5
4.0
Annual Fee $ 450.00
Benefits Marriott Bonvoy · Travel Insurance
Minimum Income

"The Marriott Bonvoy Brilliant Card from American Express is perfect for frequent travelers looking to maximize hotel rewards. With attractive benefits like lounge access, travel insurance, and no foreign transaction fees, it provides excellent value for those who maximize their stays. However, its high annual fee may not be worthwhile for those who do not use travel advantages, and it's not ideal for cashback-focused consumers."

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American Express® Business Gold Card card art

American Express® Business Gold Card

American Express

6
4.0
Annual Fee Free
Benefits
Minimum Income

"The American Express® Business Gold Card is ideal for businesses with high spending in specific categories, offering 4X points on the two highest spending categories per billing cycle plus a variety of valuable transfer partners. The card carries a high annual fee but is balanced by flexible payment and travel benefits. It has no foreign transaction fees but is not suitable for balance transfers. It's essential for those looking to maximize rewards on business transactions."

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Discover it Miles card art

Discover it Miles

Discover

7
4.0
Annual Fee Free
Benefits Discover Miles
Minimum Income

"The Discover it Miles card provides excellent value for users seeking flexibility and cost savings. Offering 1.5 miles per dollar spent and no annual fee, it's ideal for occasional travelers and those who prioritize low costs. It excels in transparency and security features but offers limited travel benefits and average purchase protection."

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EveryDay Card card art

EveryDay Card

American Express

8
4.0
Annual Fee Free
Benefits Membership Rewards
Minimum Income

"The American Express EveryDay Card offers a solid no-annual-fee option with good rewards on supermarket purchases and flexible redemption options. While it lacks significant travel perks, it's an excellent card for daily use and credit building. Purchase protection and security features stand out. However, it lacks a significant intro offer and has limited travel benefits."

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Discover Cashback Card card art

Discover Cashback Card

Discover Bank

9
4.0
Annual Fee Free
Benefits
Minimum Income

"The Discover Cashback Card provides a strong 5% cashback on rotating categories, making it ideal for maximizers looking for rewards without annual fees. With an impressive first-year Cashback Match program and strong fraud protection, it's a solid choice for everyday users. However, rotating categories require activation and attention, with limited travel perks. It's best for those prioritizing daily use and savings."

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Hilton Honors Aspire Card card art

Hilton Honors Aspire Card

American Express

10
4.0
Annual Fee $ 550.00
Benefits Hilton Honors
Minimum Income

"The Hilton Honors Aspire Card from American Express offers exceptional benefits for frequent travelers and loyalists to the Hilton network. With a high annual fee, it is best suited for those who can make the most of the travel benefits, such as lounge access and hotel status bonuses. There is no foreign transaction fee, making it a good choice for international expenditures. However, for those looking for cashback or rewards on everyday purchases, this may not be the best fit."

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