Best Credit Cards on Reddit: What Reddit Users Recommend

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:

  • Chase Sapphire Preferred® Card: Praised for its well-rounded rewards (travel, dining, streaming) and transferable points to travel partners. Reddit users highlight its 2X points on travel and dining as a major perk, making it an excellent choice for those who frequently explore new cuisines and destinations.
  • Capital One Venture X Rewards Credit Card: Appreciated for its straightforward miles earning and flexible redemption options.
Quick details at a glance:
Credit Recommended (660-850): – Good/Excellent
Card Rewards Offer – 1.5% – 5% cash back
Intro (Purchases) – 0% Intro APR on Purchases 15 months
Annual Fee – $0
Intro Rewards Bonus – Up to $300 cash back
Intro (Transfers) – 0% Intro APR on Balance Transfers 15 months
Regular APR – 20.49% – 29.24% Variable

Here are more detailed features of the Chase Freedom Unlimited®

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
  • Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back 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!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
  • 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
Chase Freedom Unlimited®
Quick details at a glance:
Credit Recommended (660-850): – Good/Excellent
Intro Rewards Bonus – 60,000 bonus points
Card Rewards Offer – 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases
Foreign Trans Fee – $0
Annual Fee – $95
Regular APR – 21.49%-28.49% Variable
Credit Recommended – Good/Excellent

Here are more detailed features of the Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
  • 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.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Chase Sapphire Preferred® Card
Quick details at a glance:
Credit Recommended: – Good
Card Rewards Offer – 1.25 Miles per dollar on every purchase, every day
Annual Fee – $0
Regular APR – 29.99% (Variable)
Balance Transfer Fee – Balance Transfer Fee applies to balances transferred at a promotional rate
Fraud Coverage – $0 Fraud Liability for unauthorized charges
Foreign Trans Fee – None

Here are more detailed features of the Capital One VentureOne Rewards for Good Credit

  • $0 annual fee and no foreign transaction fees
  • Earn 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
Apply Online – Click Here

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:

American Express Blue Cash Preferred Card

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, 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:

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!

Compare the top Excellent Credit Card Offers - CreditSoup Balance Transfer Cards

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