Best credit card in 2025 in USA

Nowadays, choosing the right credit card can be tricky, but our list of top picks makes it easier for you. The best credit card depends on specific financial expectations and individual spending routines.Everyone needs a different ideal credit card because it is available in several reward and premium configurations yet it must align with personal needs to control money well. 

Glance Insight (GI) Experts are here to help you choose the best credit card in 2025.

Best 10 credit cards in 2025 in USA

Rank	Credit Card
1	Chase Freedom Unlimited
2	United Gateway™ Card
3	Delta SkyMiles® Gold American Express Card
4	Delta SkyMiles® Blue American Express Card
5	Blue Cash Everyday® Card from American Express
6	Chase Sapphire Preferred® Card
7	United℠ Explorer Card
8	Hilton Honors American Express Surpass Card
9	Discover it® Miles
10	Citi Double Cash® Card

1. Chase Freedom Unlimited

Best Feature: Flexible cashback rewards.

Credit required: Good to Excellent (670-850)

Intro Bonus: During your first year, you can claim an extra 1.5% cashback reward on qualifying purchases up to $20,000, which delivers a maximum value of $300.

Annual Fee: $0

Regular APR: 19.49% – 28.24% Variable

Highlights:

• You have the option to obtain 6.5% cashback from travel costs booked through Chase Travel™
• 4.5% cashback on dining and drugstores.
• 3% cashback on all other purchases for the first year
• Purchases and balance transfers qualify for a 0% intro APR that lasts 15 months.

Users benefit from complete freedom when it comes to reward redemption without any set minimum requirement. Everyday spending receives maximum rewards with this flexible card option. This card demonstrates both appealing cashback rewards and a beneficial initial offer, making it ideal for novice and experienced customers.

2. United Gateway™ Card

Best Feature: Travel rewards on United Airlines.

Credit Needed: Good to Excellent (670-850)

Intro Bonus: Users receive 30,000 bonus miles through regular use after spending $1,000 within three months.

Annual Fee: $0

Regular APR: 20.99%-27.99% variable

Highlights:

• When you buy at United or visit gas stations or make commuting purchases, your points amount will double up to 2x.
• 1x miles on all other purchases
• Members receive a 25% rebate when buying food, beverages and Wi-Fi during United Airlines flights.
• No foreign transaction fees
• 0% intro APR for 12 months on purchases

This credit card provides remarkable value specifically designed for United Airlines’ frequent flyer base. People on tight budgets will find this card valuable because it runs without fees and recognizes generous travel-based points.

3. Delta SkyMiles® Gold American Express Card

Best Feature: Traveling customers of Delta can access multiple perks offering discounts and benefits.

Credit Required: Good to Excellent (670-850)

Intro Bonus: You will get a bonus of 50,000 miles when you make $2000 in spending within the first half-year period.

Annual Fee: $0 for the first year, then $150

Regular APR: 19.99% – 28.99% Variable

Highlights:

•    15% off Delta award travel
• Cardholders qualify for a $200 Delta flight credit by reaching $10,000 in annual spending.
• You’ll earn two Delta miles for every dollar spent when buying from Delta and eating at U.S. supermarkets or dining internationally.
• Travelers on Delta flights receive their first checked bag for free, which adds worth up to $70 on each journey.
• No foreign transaction fees

This complimentary card helps loyal Delta travelers enjoy maximum flight savings and priority benefits while providing significant earnings bonuses.

4. Delta SkyMiles® Blue American Express Card

Best Feature: This card provides travel-related benefits without charging a yearly membership fee.

Credit Needed: Good to Excellent (670-850)

Intro Bonus: Once cardholders spend $1,000 in the first half of the year, they will get 10,000 bonus miles.

Annual Fee: $0

Regular APR: 19.99% – 28.99% Variable

Highlights:

The Delta SkyMiles® Blue American Express Card rewards users with 2x miles when they buy from Delta flights and make dining purchases globally yet pays no annual fee.

• 1x mile on all other purchases
• 20% savings on eligible Delta in-flight purchases
• No foreign transaction fees

Recent travelers can earn Delta miles pettily while avoiding annual outlays through this cost-effective option.

5. Blue Cash Everyday® Card from American Express

Best Feature: Shoppers can gain cash rewards from purchasing groceries alongside gas and navigating online stores.

Credit Needed: Good to Excellent (670-850)

Intro Bonus: Getting a $200 statement credit requires customers to reach $2,000 spending within six months.

Annual Fee: $0

Regular APR: 18.24% – 29.24% Variable

Highlights:

• 3% cashback at U.S. supermarkets (up to $6,000 annually, then 1%)
• Cardholders receive 3% cashback when buying online at U.S. retailers but the benefit stops at $6,000 per year (later paid at 1%).
• 3% cashback at U.S. gas stations (up to $6,000 annually, then 1%)
• 0% intro APR for 15 months on purchases and balance transfers
• Great for maximizing cashback on everyday expenses, especially groceries and gas.

6. Chase Sapphire Preferred® Card

Best Feature: Travel rewards

Credit Score Required: Excellent, Good (670-850)

Intro Bonus: New account holders can earn 60,000 bonus points when they meet the $4,000 spending threshold in their first three months of opening the account.

Annual Fee: $95

APR: 20.49% – 27.49% Variable

Highlights:

• The cardholder receives 60,000 bonus points that activate after spending at least $4,000 during their first three months.
• You can maximize points when you utilize Chase Travel℠ to earn 5x points on your travel purchases, along with 3x points for dining. select streaming services and online grocery bills and 2x points on still more travel expenses.
• Users obtain access to numerous travel benefits worth $50 yearly through Chase Travel Hotel credits.
• Redeem 25% more value on travel purchases like airfare, hotels, car rentals, and cruises through Chase Travel℠.

Users can gain full protection through trip cancellation/interruption insurance as well as auto rental collision damage waivers in addition to lost luggage insurance. 

Users can access a complimentary DashPass subscription through 2027 with delivery fees waived after activating for a minimum monthly period (after December 31st).

 Foreign Transaction Fee: $0

7. United℠ Explorer Card

Best Feature: Rewards for United Airlines travel

Credit Score Required: Excellent, Good (670-850)

Intro Bonus: Billable Credit Score Band: Excellent and Good (670-850) for Beginners.

Annual Fee: $0 for the first year, then $95

APR: 20.99% – 27.99% Variable

Highlights:

• The bonus reward system offers 60,000 miles if you use your card for $3,000 worth of purchases during the first three months.
• Buy United® through purchasing, dining at restaurants and hotel bookings to earn 2x miles.

• Travelers receive a free first checked bag for a savings of up to $160 per round trip.
• The United Club℠ membership offers access with 2 annual one-time passes.
• Members who sign up for TSA PreCheck® or Global Entry and NEXUS can receive a $120 credit from this card.
• Cardholders earn 25% refunds for food purchases along with beverages and Wi-Fi access on board.

Foreign Transaction Fee: $0

8. Hilton Honors American Express Surpass card

Best Feature: Members of Hilton Honors can earn big bonus points when staying at Hilton hotels.

Credit Score Required: Excellent, Good (670-850)

Intro Bonus: Users who spend $3,000 within six months earn 130,000 Hilton Honors Bonus Points as a new member bonus.

Annual Fee: $150

APR: 19.99% – 28.99% Variable

Highlights:

• New members earn 130,000 bonus points at the completion of their first six months of spending $3,000.

• Using this card allows you to earn twelve Hilton hotel purchase points along with six points from dining at U.S. restaurants and buying groceries and gas from participating supermarkets and gas stations while collecting three points from all other paying transactions.

• You can receive a maximum $200 statement credit payment annually during your Hilton property spends.
• Members earn complimentary Hilton Honors Gold Status and have the chance to achieve diamond status through their loyalty program.
• $0 foreign transaction fees for international purchases.

Foreign Transaction Fee: None

9. Discover it® Miles

Best Feature: Unlimited travel rewards

Credit Score Required: Excellent, Good (670-850)

Intro Bonus: Discover will match every mile you earn during your first year as a new Rewards member without limit.

Annual Fee: $0

APR: 18.24% – 27.24% Variable

Highlights:

• Your first-year travel achievements will get unlimited correspondence with the original mileage value.
• Earn 1.5x miles on all purchases.
• No annual fee and no foreign transaction fees.
• 0% intro APR for 15 months on purchases.
• Travel benefits let you claim cashback that covers your travel costs, including airline tickets and hotel payments.

Foreign Transaction Fee: None

10. Citi Double Cash® Card

Best Feature: Cash back on every purchase

Credit Score Required: Excellent, Good, Fair (580-850)

Intro Bonus: The card offers $200 cash back after customers use their card to make $1,500 in purchases up to six months.

Annual Fee: $0

APR: 18.24% – 28.24% Variable

Highlights:

• You can earn 2% cash back after making each purchase through double cash back rewards (a 1% bonus at purchase and an additional 1% bonus when you pay your bill).
• 5% cash back on travel bookings through Citi Travel℠ through 12/31/25.
• Customers receive a 0% intro APR benefit for their balance transfers, which lasts for 18 months.
• No annual fee and no foreign transaction fees.

Foreign Transaction Fee: 3%

 

Stay tuned and get more financial insight!