Choosing the right credit card can make a huge difference in how you earn rewards, save on purchases, and enjoy travel perks. With hundreds of options available, it can feel overwhelming to pick the one that fits your lifestyle. To make things easier, we’ve reviewed the best credit cards in the USA for 2025, covering travel rewards, dining, cash back, and premium benefits.
1. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred is a favorite among travelers who want flexible rewards without paying a high annual fee. Cardholders earn 5× points on travel booked through Chase, 3× on dining, streaming, and online grocery purchases, 2× on other travel purchases, and 1× on everything else.What makes it stand out is the welcome bonus of 60,000 points, which is worth up to $750 in travel when redeemed through the Chase Travel portal. Points can also be transferred to major airline and hotel partners.
2. Capital One Venture X Rewards Credit Card
The Capital One Venture X is a premium travel rewards card offering luxury perks at a more affordable fee than its competitors. It provides 10× miles on hotels and rental cars booked through Capital One Travel, 5× miles on flights, and 2× on all other purchases.
Cardholders also receive a $300 annual travel credit, Priority Pass lounge access, and Capital One Lounge entry, all for a $395 annual fee. Compared to higher-cost cards like the AmEx Platinum, the Venture X offers nearly the same premium experience at a lower price, making it a fantastic option for frequent travelers.
3. American Express® Gold Card
For those who spend big on food and groceries, the AmEx Gold Card is hard to beat. It offers 4× Membership Rewards® points at restaurants (including takeout and delivery), 4× points at U.S. supermarkets (on up to $25,000 annually), and 3× on flights booked directly with airlines.
On top of that, members enjoy up to $120 in dining credits (with select partners) and up to $120 in Uber Cash credits each year. Although it comes with a $250 annual fee, the rewards and benefits easily outweigh the cost for those who prioritize dining and supermarket spending.
4. Blue Cash Preferred® Card from American Express
The Blue Cash Preferred is one of the best cash-back cards for families and everyday spenders. It earns 6% cash back at U.S. supermarkets (on up to $6,000 annually), 6% on select U.S. streaming services, 3% at gas stations and transit, and 1% on other purchases.
The card has a $0 annual fee for the first year, then $95. For households that spend heavily on groceries, gas, and streaming, this card quickly pays for itself while providing consistent rewards in cash back.
5. Citi Strata Elite Credit Card
Newly launched in 2025, the Citi Strata Elite is designed for those who want high-end travel benefits. With a $595 annual fee, it offers 12× points on Citi Travel hotels and car rentals, 10× on flights, 3× on dining, and 1× on everything else.
Premium benefits include a $300 hotel credit, $200 splurge credit, Priority Pass lounge access, trip protections, and cell phone coverage. This card is best for frequent flyers and luxury travelers who want elite perks and don’t mind paying a higher fee.
Final Thoughts
The best credit card for you depends on your lifestyle and spending habits.
If you want overall travel value, go with Chase Sapphire Preferred.
If you want premium perks at a fair price, choose Capital One Venture X.
If you spend a lot on dining and groceries, the AmEx Gold is perfect.
For family spending and cash back, pick the Blue Cash Preferred.
And for luxury travel rewards, the new Citi Strata Elite is unbeatable.
By choosing the right card, you can maximize rewards, save money, and unlock exclusive benefits in 2025.