The Motley Fool Money's 2025 Credit Card Awards

Wells Fargo Active Cash® Card provides unlimited 2% cash rewards on purchases -- one of the highest cash back benefits we’ve seen for a flat-rate rewards card with no annual fee. It also has an incredibly easy-to-earn $200 cash rewards welcome bonus and a decent intro APR offer. We simply haven’t come across this combination of top perks in one card before.

Chase Freedom Unlimited® offers great bang for your buck, including unlimited 1.5% - 5% cash back rates, 0% Intro APR on Purchases and Balance Transfers for 15 months, and an innovative sign-up bonus worth up to $250 cash back -- all without an annual fee.

Chase Sapphire Reserve® is a top-tier travel card, offering hotels and car rentals through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Points are easily transferable to airline and hotel partners, or you can enjoy a 50% increase in value when booking through Chase Travel. While the annual fee is substantial, those who can fully utilize its features may find that the benefits far outweigh the cost.

Wells Fargo Reflect® Card makes it possible for you to take a nearly two-year break from paying credit card interest. In fact, this card offers one of the longest 0% intro APR periods we've seen on purchases and balance transfers -- a full 21 months from account opening. (After the intro period, the go-to rate of 17.24%, 23.74%, or 28.99% Variable APR applies.) And on top of that, you'll pay no annual fee. It's a no-brainer if your focus is on paying debt down or financing a large purchase.

Citi Simplicity® Card offers 0% intro APR for 21 months on Balance Transfers, which is one of the longest interest-free periods available today. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5), which is lower than the fee offered on some other well-known balance transfer cards.

Hilton Honors American Express Surpass® Card is ideal for travelers looking to save on Hilton stays. This card comes with a ton of great perks including airport lounge access, no foreign transaction fees, and a sizable welcome bonus.

Capital One Quicksilver Secured Cash Rewards Credit Card is a solid secured credit card option for consumers who want to earn rewards while building or rebuilding their credit. This no-annual-fee credit card offers unlimited 1.5% cash back on all purchases and free credit monitoring tools.

Discover it® Student Cash Back is one of the most feature-packed student credit cards we've seen. Along with Discover's award-winning cash back program, you'll pay no annual or foreign transaction fees and it has a 0%, 6 months intro APR on purchases. (After the intro period, the go-to 17.24% - 26.24% Variable APR Variable APR applies.)

Wells Fargo Autograph® Card is great for gas, but it's also a well-rounded rewards card you can use outside of the pump, too. Earn unlimited 3X points at restaurants, gas stations, and travel (among other things) and 1 point per $1 on other purchases.

Blue Cash Preferred® Card from American Express is good for earning cash back on groceries, gas, and other everyday expenses. Not only does it earn an incredible 6% back at U.S. supermarkets ($6,000 annual spending cap), but it also provides a big welcome offer and a nice 0% intro APR offer. (See rates and fees.)

Capital One Savor Cash Rewards Credit Card provides premium rewards for dining out and grocery shopping. But that’s not all—the card also features an attractive sign-up bonus, no annual fee, and a 0% intro APR offer, making Capital One Savor Cash Rewards Credit Card an excellent value overall.

Chase Sapphire Preferred® Card offers a whopping 100,000 bonus points— up to $1,250 in Chase Travel℠ value and comparable to some premium travel cards. Bonus travel and dining rewards, along with an annual $50 hotel credit, make Chase Sapphire Preferred® Card worth the annual fee. Chase points are valuable and easy to use, providing 25% more value for bookings through Chase Travel. Additionally, Chase offers strong travel protections, such as primary rental car insurance, trip delay reimbursement, lost luggage reimbursement, and trip cancellation/interruption insurance.

Ink Business Preferred® Credit Card is great for businesses, offering access to the Chase Ultimate Rewards ecosystem and a remarkable welcome bonus of 90,000 Chase Ultimate Rewards points. You'll earn 3X points per $1 on popular business expenses, allowing you to manage your bills while reaping generous rewards along the way.

Chase Ultimate Rewards is perfect for folks looking for a flexible program that allows multiple earning and redeeming options. This program has a robust list of transfer partners including major airlines and hotel chains. Also, you can earn substantial sign-up bonuses with Chase credit cards.

American Express is often ranked at the top of any list of top credit card companies, offering well-rated customer service, a great user experience, and a highly rated mobile app that helps manage your credit card needs on the go.