Rewards Maven’s Top 10 Credit Cards for 2025

After reviewing dozens of leading credit cards, we've identified the top 10 that provide the best value. We selected these cards—for travel, cashback, or business—based on their unique benefits and our own standards for personal use.

1

The Business Platinum Card® from American Express

Our top rated card

  • Annual Fee

    $695

  • Sign-Up Bonus:

    150,000

    Membership Rewards® points after spending $20,000 in the first 3 months

  • Intro APR:

    18.49% and 29.24% Variable

    This is a charge card, requiring full payment each month. ‘Pay Over Time’ allows cardholders to carry a balance, with APR between 18.49% and 29.24%

Why we chose this card:

A premium card with unbeatable travel benefits. The top choice for high earnings, valuable perks, and flexibility in using rewards.

Card highlights

  • One of the highest sign-up bonuses on the market. 150,000 Membership Rewards® points is almost enough fora return business class flight between the US and Europe. It can be even higher with offers or referrals.
  • High ongoing earnings for travel (five Membership Rewards® points per dollar spent on flights and hotels at AmexTravel.com).
  • Ability to transfer points to many hotel and airlines partners for higher value redemption.
  • Valuable travel benefits that help justify the high $695 annual fee for the frequent traveler.
  • Global airport lounge access with many operators, , including Centurion, Priority Pass, and Delta SkyClub.
  • Rebates for Global Entry or TSA PreCheck, and Clear Plus.
Read our full review

2

American Express Business Gold Card

Our top rated card

  • Annual Fee

    $375

  • Sign-Up Bonus:

    100,000

    Membership Rewards® points after spending $15,000 in the first 3 months

  • Intro APR:

    0%

    This is a charge card, requiring full payment each month. ‘Pay Over Time’ allows cardholders to carry a balance, with APR between 18.49% and 29.24%.

Why we chose this card:

A potentially very rewarding card for high spenders, with bonus categories that adjust each month. It focuses on value and flexibility, without high-end travel benefits.

Card highlights

  • One of the top cards for earning on everyday and business spending, with earnings of 4 Membership Rewards® points per dollar spent in the top two categories each month. 
  • Unlimited earnings of three Membership Rewards® points per dollar spent on flights and hotels at amextravel.com.
  • A high sign-up bonus of 100,000 Membership Rewards® points is among the most generous on the market. This can be worth $2,000 or more based on common valuations. It can be even higher with offers or referrals. 
  • Various statement credits for typical business spending. 
  • This is a card that focuses on points and rewards – there are no valuable perks and travel luxuries like found with the American Express Business Platinum Card.
Read our full review

3

Ink Business Cash® Credit Card from Chase

Our top rated card

  • Annual Fee

    $0

  • Sign-Up Bonus:

    $750

    Earn $350 when you spend $3,000 in the first three months and a further $400 when you spend $6,000 in the first six months.

  • Intro APR:

    0%

    Introduction APR for 12 months for purchases, then 17.49% - 25.49% Variable

Why we chose this card:

High cashback rewards for certain business spend – plus the perfect combination of no fee, 0% APR offer and high sign-up bonus.

Card highlights

  • One of the highest cashback sign-up bonuses available for a no-fee card.  
  • Very high rewards of 5% on certain business spending categories. 
  • Rewards of 2% on spending at gas stations and restaurants.

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  • Rewards can be converted to Chase Ultimate Rewards. This is potentially much more valuable with the use of conversion partners. 
  • Can be combined with other Chase cards to maximize earnings for different spending.

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Read our full review

4

Ink Business Unlimited® Credit Card from Chase

Our top rated card

  • Annual Fee

    $0

  • Sign-Up Bonus:

    $750

    $750 when you spend $6,000 in the first three months.

  • Intro APR:

    0%

    Introduction APR for 12 months for purchases, then 17.49% - 23.49% Variable

Why we chose this card:

High cashback on all spending with no caps, no annual fee, and access to Chase Ultimate Rewards.

Card highlights

  • Unlimited 1.5% cash back on every purchase—no categories, no caps.
  • One of the highest cashback sign-up bonuses available for a no-fee card.  
  • 0% intro APR on purchases for the first 12 months.
  • Rewards can be converted to Chase Ultimate Rewards. This is potentially much more valuable with the use of conversion partners. 
  • Can be combined with other Chase cards to maximize earnings for different spending.

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Read our full review

5

Bank of America® Travel Rewards Credit Card

Our top rated card

  • Annual Fee

    $0

  • Sign-Up Bonus:

    25,000 Points

    (worth $250) when you spend $1,000 in the first 90 days

  • Intro APR:

    0%

    0% introduction APR for purchases and balance transfers for the first 15 billing cycles. Variable APR after that is 18.24% to 28.24%.

Why we chose this card:

A simple to use no-fee card with very high rewards of up to 2.62% if paired with Bank of America Preferred Rewards.

Card highlights

  • Straightforward rewards: earn 1.5 points for every dollar spent (worth up to 1.5% as a rebate for flights, hotels, or dining).
  • Rewards can be increased by 25% to 75% when enrolled in Bank of America Preferred Rewards (based on account balance).

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  • Low spending requirement to trigger the sign-up bonus.
  • Longer 0% APR than many cards, and balance transfers qualify.

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Read our full review

6

Blue Business® Plus Credit Card from American Express

Our top rated card

  • Annual Fee

    $0

  • Sign-Up Bonus:

    15,000

    Membership Rewards® points after spending $3,000 in the first 3 months

  • Intro APR:

    0%

    0% introductory APR for 12 months, then 17.49% to 27.49% variable.

Why we chose this card:

Top reward earning with no fee - plus access to more value through American Express Membership Rewards.

Card highlights

  • No annual fee.
  • Earns high rewards of two Membership Rewards® points per dollar for the first $50,000. 
  • Gives access to American Express Membership Rewards, with over 20 hotel and airline transfer partners and potential higher value rewards.

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  • The sign-up bonus is not the highest available, but value can be increased with the use of transfer partners. 
  • Can be combined with other American Express cards to maximize earnings. 
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Read our full review

7

Discover it® Cash Back

Our top rated card

  • Annual Fee

    $0

  • Sign-Up Bonus:

    Cashback Match™ — Discover will match all the cash back you earn in your first year

  • Intro APR:

    0%

    0% introductory APR on purchases and balance transfers for 15 months, then 18.24% to 27.24% variable.

Why we chose this card:

A simple card with high cashback in changing areas. It offers up to 10% in bonus categories during the first year.

Card highlights

  • 5% cash back in rotating quarterly bonus categories (on up to $1,500 in spending, activation required).
  • 1% unlimited cash back on all other purchases.
  • Cashback Match offer means you will earn double cashback for the first year.
  • 0% intro APR on both purchases and balance transfers for a long 15 months.
Read our full review

8

Capital One Venture Rewards Credit Card

Our top rated card

  • Annual Fee

    $95

  • Sign-Up Bonus:

    75,000

    miles after spending $4000 in the first 3 months

  • Intro APR:

    19.99% to 29.24% variable

Why we chose this card:

A mid-range paid travel card offering a generous sign-up bonus and access to valuable transfer partners for travelers looking to maximize rewards.

Card highlights

  • One of the top sign-up bonuses of any personal card in this fee range.
  • Excellent bonus earning rate of five miles per dollar on travel spend (hotels and car rental).
  • Simple and high earnings of two miles per dollar on all other spending with no caps. 
  • Miles can be redeemed for statement credits or transferred to travel partners for higher value.
Read our full review

9

Citi® Double Cash® Card

Our top rated card

  • Annual Fee

    $0

  • Sign-Up Bonus:

    $200

    after spending $1,500 in the first 6 months

  • Intro APR:

    0%

    on balance transfers for 18 months. Variable APR otherwise is 18.24% to 28.24%

Why we chose this card:

A simple easy to use no-fee credit card offering a market-leading 2% cash back on everything.

Card highlights

  • A simple card focused on predictable high cashback - 2% for all purchases.
  • An additional 3% bonus for hotels, car rentals, and attractions booked with Citi Travel.
  • The longest 0% APR of any of our card choices – but only for balance transfers.
  • It works well alongside another card with bonus category earnings, or a Citi card for expanded point transfer options.
Read our full review

10

Capital One VentureOne® Rewards Credit Card

Our top rated card

  • Annual Fee

    $0

  • Sign-Up Bonus:

    20,000

    after spending $500 in 3 months.

  • Intro APR:

    0%

    0% introductory APR on purchases and balance transfers for 15 months, then 19.24% to 29.24% variable.

Why we chose this card:

A no-fee card providing access to Capital One’s valuable transfer partner network.

Card highlights

  • No-fee access to Capital One and its transfer partners – this is essentially a cut-down version of Chase’s higher fee cards. 
  • A valuable sign-up bonus that is easy to obtain.
  • One of the longest 0% APR offers available. 
  • High earnings of 5 miles per dollar on hotel and car bookings through Capital One Travel, and 1.25 miles per dollar on everything else. 
  • Miles can be transferred to over 15 hotel and airline programs, for maximum value.
Read our full review

DISCOVER THE RIGHT CARD FOR YOU.

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