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Best Credit Cards on Reddit: Unveiling Redditors’ Favorites
While Reddit isn’t a financial advice platform, its communities can offer insights into popular credit cards.
After scouring through numerous threads and subreddits such as r/personalfinance and r/CreditCards, we’ve compiled a list of the best credit cards according to Reddit users. Here’s what they recommend keeping in mind these are just general discussions and shouldn’t solely influence your decision:
Travel Enthusiasts:
Here are more detailed features of the Chase Freedom Unlimited®
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Here are more detailed features of the Chase Sapphire Preferred® Card
- Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
Cash Back Lovers:
- Chase Freedom Unlimited: Popular for its rotating bonus categories and solid 1% cash back on everything else.
- Citi® Double Cash Back Card: Favored for its consistent 2% cash back on all purchases. Redditors appreciate the straightforward approach to earning rewards without having to track specific categories.
Additional Considerations:
- Redditors emphasize reading credit card terms carefully, especially annual fees and introductory offers.
- Many discussions highlight the value of combining cards to maximize rewards in different spending categories.
Some more notable mentions:
Blue Cash Preferred® Card from American Express
The American Express Blue Cash Preferred Card has impressive cashback rates in categories that affect the daily lives of many consumers. It offers 6% cashback at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations, and 1% on other purchases. Reddit users often point out that for families and individuals who spend a lot on groceries, gas, and streaming services, the rewards can add up quickly.
Discover it Cash Back
The Discover it Cash Back card on Reddit is known for its unique cashback match offer, where Discover automatically matches all the cash back you’ve earned at the end of your first year. Additionally, it features rotating quarterly categories (such as Amazon.com, grocery stores, restaurants, gas stations) that earn 5% cashback on up to $1,500 in purchases (then 1%), once activated. Users appreciate the seasonal flexibility and potential rewards maximization.
Important Note: Reddit isn’t financial advice, it’s a community. Do your own research and compare offers from credible sources before applying for any credit card.
Here are some trustworthy resources to supplement your research:
- Cardrewards: Top cards for dining and entertainment
Remember, the “best” credit card depends on how you use the card and pay the balance. Consider factors like:
- Your credit score: Different cards have varying credit score requirements.
- Spending habits: Choose a card that rewards the categories you spend the most in.
- Fees: Annual fees can outweigh the benefits if not strategically used.
Reddit communities can always be a great starting point in deciding which credit card works best for you!
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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