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% - 29.24% Variable

    On balance trasfers only

Why we chose this card:

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

Card highlights

Card highlights

  • High end card with unbeatable travel benefits.
  • The top choice for high earnings, valuable perks, and flexibility in using rewards.
  • One of the highest sign-up bonuses on the market.
  • The bonus of 150,000 Membership Rewards® points is almost enough for a return business class flight between the US and Europe.

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%

    Introduction APR for 6 months for eligible purchases, then 18.49% - 29.24% Variable

Why we chose this card:

A potentially very rewarding card for high spenders, with bonus categories that adjust each month.

Card highlights

Card highlights

  • A potentially very rewarding card for high spenders, with bonus categories that adjust each month.
  • Earnings of 4 Membership Rewards® points per dollar spent in the top two categories each month.
  • Unlimited earning of three Membership Rewards® points per dollar spent on flights and hotels atamextravel.com.
Read our full review

3

Ink Business Cash® Credit Card from Chase

Our top rated card

  • Annual Fee

    $0

  • Sign-Up Bonus:

    $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

Card highlights

  • High cashback rewards for certain business spend.
  • 0% APR offer and high sign-up bonus.

  • One of the highest cashback sign-up bonuses available for a no-fee card.  
  • Very high rewards of 5% on certain business spending categories.

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

Card highlights

  • High cashback on all spending with no caps, no annual fee, and access to Chase Ultimate Rewards.
  • Cashback is awarded at 1.5% on all purchases, with no maximum spending caps.
  • One of the highest cashback sign-up bonuses available for a no-fee card.  

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%

    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

Card highlights

  • A simple to use no-fee card with very high rewards of up to 2.62%
  • Simple to use with unlimited cashback at the same rate for all purchases.

  • Simple rewards structure –1.5 points for every dollar spent (worth up to 1.5% as a rebate for flights, hotels, or dining).
  • Low spending requirement to trigger the sign-up bonus.
  • Longer 0% APR than many cards, and balance transfers qualify.

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%

    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

Card highlights

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

  • No annual fee card from American Express.
  • Earns high rewards of two points per dollar for the first $50,000.

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%

    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

Card highlights

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

  • Simple cashback earning of 1% or 5% on bonus categories.
  • Bonus 5% cashback categories are set each quarter (for up to $1,500 of spending).
  • Cashback Match offer means you will earn double cashback for the first year.

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

    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

Card highlights

  • Cashback Match offer means you will earn double cashback for the first year.
  • Access to travel partners for higher value redeeming.
  • The top sign-up bonus of any personal card.
  • Excellent bonus earning rate of five miles per dollar on travel spend (hotels and car rental).
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

Card highlights

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

  • A simple card focussed on predictable cashback - 2% for all purchases.
  • The longest 0% APR of any of our card choices – but only for balance transfers.
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%

Why we chose this card:

Mid-range paid card with excellent sign-up bonus and access to travel partners for higher value redeeming.

Card highlights

Card highlights

  • A no-fee card providin gaccess to Capital One’s valuable transfer partner network
  • No-fee access to Capital One and its transfer partners – this is essentially a cut-down version of Chase’s higher fee cards.
  • One of the longest 0% APR offers available.

Read our full review

DISCOVER THE RIGHT CARD FOR YOU.

Explore our card recommendations and find a credit card that suits your personal needs.

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