What credit card should I get?

The best credit card for you depends on your spending habits, credit score, and goals. Use our free quiz to analyze your spending in categories like dining, groceries, travel, and gas to find cards that maximize your rewards.

How do I choose the best credit card?

Consider these factors: 1) Where you spend the most money (dining, groceries, travel, gas), 2) Your credit score range, 3) Whether you want cash back, points, or miles, 4) If you're willing to pay an annual fee for premium benefits.

What is the best cash back credit card?

The best cash back card depends on your spending. For everyday purchases, flat-rate cards like Citi Double Cash (2%) work well. For category spending, cards like Chase Freedom Flex (5% rotating) or Amex Blue Cash Preferred (6% groceries) offer higher returns.

What credit card is best for travel?

Top travel cards include Chase Sapphire Preferred (great for beginners), Chase Sapphire Reserve (premium benefits), Amex Gold (dining + flights), and Capital One Venture X (simple earning). Our quiz helps match your travel style to the right card.

Do I need good credit for a rewards card?

Most premium rewards cards require good to excellent credit (700+). However, options exist for fair credit (650-699) like Capital One Quicksilver, and secured cards help build credit while earning rewards.

All cards

ChaseTravelPremium

Chase Sapphire Reserve

Points card from Chase

$550

annual fee

~$440 in credits = $110 effective

$300 annual travel credit
10x on hotels & car rentals through Chase
Priority Pass lounge access
50% more value on travel redemptions
Global Entry/TSA PreCheck credit

Welcome Bonus

$900 value

after $4,000 spend in 3 months

Credit Needed

Excellent (750+)

Personal card

APR

22.49%–29.49%

Variable APR

Foreign Transaction Fee

None

Great for international travel

Base Reward Rate

On all other purchases

Rewards Structure

Category	Rate	Details
Travel	10x	on hotels & car rentals through Chase Travel
Travel	5x	on flights through Chase Travel
Travel	3x	on other travel
Dining	3x	—
Everything else	1x	Base rate on non-bonus spending

Annual Credits & Perks

Annual Travel Credit

$300/yr

Automatic credit for travel purchases

Easy to use

DoorDash DashPass

$60/yr

Free DashPass membership + credits

Easy to use

Lyft Pink

$60/yr

Complimentary Lyft Pink membership

Easy to use

TSA PreCheck/Global Entry

$20/yr

Credit every 4 years

Easy to use

Total credits value: $440/year — effective annual fee: $110

Rates and fees disclosure

Card details last verified January 2026. Rates, fees, and rewards are subject to change. Visit the issuer's website for the most current information. We may earn a commission when you apply through our links, but this never affects our recommendations.

Is the Chase Sapphire Reserve right for you?

Take our free 2-minute quiz to see how this card scores against 55+ other cards based on your actual spending habits, credit score, and goals.

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More cards from Chase

Chase Sapphire Preferred

$95/yr | $750 bonus

Chase Freedom Unlimited

No annual fee | $200 bonus

Chase Freedom Flex

No annual fee | $200 bonus

Amazon Prime Visa

No annual fee | $200 bonus