🇺🇸 Best Credit Cards in United States (2026)

Visa N/A

Upgrade Cash Rewards

Upgrade

1

3.9

"This card offers excellent rewards for frequent travelers and is ideal for daily use."

VISA Standard

GM Rewards Card

GM Financial

2

3.9

"The GM Rewards Card offers a good balance of rewards and user experience, with no foreign transaction fees and a strong intro offer."

Visa N/A

Crypto.com Visa

Crypto.com

3

3.9

"The Crypto.com Visa card offers strong rewards on crypto spending but has limited travel perks."

Visa

Chase United Business Card

Chase

4

3.9

"The Chase United Business Card is excellent for business owners who frequently fly with United. It provides extensive travel benefits, including lounge access, free checked bags, and priority boarding. However, those looking for cashback or non-travel perks may find this card lacking. Although it has an annual fee, it compensates with strong mileage earning potential and no foreign transaction fees."

Discover

Discover it Secured Credit Card

Discover

5

3.9

"The Discover it Secured Credit Card is a solid choice for those building or rebuilding credit. It offers 1% cashback on all purchases, with an additional 2% on specific categories. The card has no annual fee and comes with credit-building educational tools. One key advantage is the first-year cashback match. However, it is not ideal for travel due to the lack of benefits in that area. International transactions come with high fees, but the card excels in user experience with a high-quality app."

Visa

U.S. Bank Shield Visa Credit Card

U.S. Bank

6

3.9

"The U.S. Bank Shield Visa Credit Card is an excellent choice for those seeking to avoid annual fees and benefit from a long 0% APR introductory period. Offering 4% cashback on travel bookings through the U.S. Bank Travel Center, it also provides good purchase and cell phone protection, along with a $20 annual statement credit. However, it applies foreign transaction fees and carries a relatively high balance transfer fee. With no welcome bonus, it suits balance transfer users or those looking to avoid annual fees."

Amex Standard

Hilton Honors American Express Card

American Express

7

3.8

"The Hilton Honors American Express Card offers great value for frequent Hilton guests, with significant points earned on hotel purchases and no foreign transaction fees. The absence of an annual fee is a plus, but the intro offer is modest compared to premium cards. It's a great choice for frequent travelers who value travel insurance benefits and a strong digital support ecosystem."

American Express

EveryDay Preferred Card

American Express

8

3.8

"The EveryDay Preferred Card from American Express is suited for those who value rewards on everyday purchases, particularly at supermarkets and gas stations. With an annual fee of $95, it offers 3x points at supermarkets and 2x at gas stations in the U.S., plus a 50% points bonus if used more than 30 times per billing cycle. The app and support experience are solid, though travel perks are limited. Best for frequent users who maximize everyday spending."

American Express

American Express Green Card

American Express

9

3.8

"The American Express Green Card is suited for frequent travelers and everyday consumers who prioritize travel rewards over cashback. It offers excellent rewards redemption flexibility and has no foreign transaction fees. Its $150 annual fee might be considered high compared to other cards offering more introductory benefits. Utilizing the Membership Rewards® platform expands transfer and redemption possibilities, making it ideal for those looking to maximize travel rewards."

Mastercard Prestige

Citi Prestige® Credit Card

Citi

10

3.8

"The Citi Prestige® Credit Card offers excellent benefits for frequent travelers, including unlimited Priority Pass lounge access and comprehensive travel insurance. The rewards program is versatile, with a wide range of transfer partners. However, the high annual fee may not offer as much value to those seeking cashback or looking to build credit."