Looking for the best credit card for your needs? With so many options out there, it can be tough to decide which one is right for you. In this article, we’ll count down the top 10 best credit cards, with the Famous Footwear Credit Card landing in the #1 spot. Keep reading to learn more about each of these great credit card offers and see if one is the perfect fit for you!
#1 Famous Footwear Credit Card
Kicking off our list in the premier spot is the Famous Footwear Credit Card. This store-specific credit card can only be used at Famous Footwear locations and on their website, but it offers cardholders some excellent benefits. You’ll get 10 points for every $1 spent at Famous Footwear and 1 point for every $1 spent elsewhere. Points can then be redeemed for reward certificates to use on future Famous Footwear purchases.
Other perks of the Famous Footwear Credit Card include special financing offers, exclusive rewards, and special invites to VIP events. If you frequently shop at Famous Footwear for new kicks and accessories, this card will maximize your rewards potential. The manageable 26.99% APR and no annual fee make it easy to carry long-term as well. Overall, the Famous Footwear Credit Card is a slam dunk as our #1 pick for footwear fanatics.
#2 Chase Freedom Unlimited
For an excellent all-around credit card, look no further than the Chase Freedom Unlimited. This popular card offers an unlimited 1.5% cash back on every purchase, with no rotating categories or sign-up bonuses to keep track of. Cash back earned can also be transferred to Chase Ultimate Rewards points for more redemption options.
The Freedom Unlimited impresses with its $0 annual fee, 0% intro APR for 15 months from account opening, and sign-up perk of $200 back after spending $500 on purchases in the first 3 months. With no foreign transaction fees and a range of travel and purchase protections, this is one flexible card that’s easy to maximize rewards with.
#3 Citi Custom Cash Card
Get customized cash back tailored to your top spending category each billing cycle with the Citi Custom Cash Card. You’ll earn an unlimited 5% cash back on up to $500 spent in your top eligible category each billing cycle – gas stations, restaurants, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, live entertainment, and more. All other purchases earn 1% back.
Cash back can be redeemed for statement credits or direct deposit, and the $0 annual fee keeps costs down. A 0% intro APR on balance transfers for 15 months and purchase protection are just a few more reasons the Citi Custom Cash Card secures the #3 position.
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#4 Capital One SavorOne Cash Rewards Credit Card
Foodies will find a perfect pairing in the Capital One SavorOne Cash Rewards Credit Card. You’ll earn an unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores. All other purchases receive 1% back. Cash rewards don’t expire and can be redeemed anytime for statement credits or as a check.
Aside from the earnings potential, Capital One SavorOne also impresses with its lack of foreign transaction fees, 0% intro APR for 15 months, and $0 annual fee. It’s a great choice for those who spend considerably on dining and entertainment each month.
#5 Wells Fargo Active Cash Card
For an easy-to-use card with unlimited 2% cash rewards on purchases, check out the Wells Fargo Active Cash Card. You’ll earn that flat 2% back on all eligible net purchases made during each billing cycle – no categories to track and no limits on how much you can earn back.
This card does have a $0 annual fee and a lengthy 18-month 0% intro APR on purchases and qualifying balance transfers. New cardholders can also take advantage of a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months. The Wells Fargo Active Cash Card takes the guesswork out of earning rewards.
#6 Chase Freedom Flex
The Chase Freedom Flex is a prime pick for those who want bonus categories without paying an annual fee. You’ll earn 5% cash back on up to $1,500 spent in quarterly rotating bonus categories, 5% back on travel booked through the Chase Ultimate Rewards portal, 3% back at drugstores and dining, and 1% back everywhere else.
This card also touts a $0 annual fee, 0% intro APR for 15 months, and a $200 bonus after spending $500 on purchases within the first 3 months of account opening. With generous bonuses and solid essential rates, it’s easy to see why the Chase Freedom Flex claims the #6 position.
#7 Citi Double Cash Card
For a straightforward cash back card with no annual fee, the Citi Double Cash Card is sure to satisfy. You’ll earn an unlimited 1% back when you make a purchase and another 1% back when you pay it off – for a total of up to 2% back on every purchase with no limit to what you can earn.
This card also offers a 0% intro APR for 18 months on balance transfers, Citi Easy Deals for targeted coupons and discounts, and complimentary credit score access. With World Elite benefits and a simple, unlimited rewards structure, the Citi Double Cash Card is a stellar selection.
#8 Discover it Cash Back
Discover it Cash Back lets you earn 5% back in quarterly rotating bonus categories on up to $1,500 in purchases each quarter. The categories for 2022 include grocery stores, gas stations, restaurants, and Amazon.com. All other purchases get an unlimited 1% back.
This card also features a generous intro offer of unlimited cash back match – Discover will automatically match all the cash back you’ve earned at the end of your first year. A 0% intro APR for 14 months is another nice feature. With no annual fee and great bonus potential, the Discover it Cash Back is one of our favorites.
#9 Bank of America Customized Cash Rewards Credit Card
Earn 3% cash back in a category of your choice – gas, online shopping, dining, travel, drug stores, or home improvement/furnishings – on up to $2,500 in combined purchases every quarter with the Bank of America Customized Cash Rewards Credit Card. All other purchases earn an unlimited 1% back.
This card also provides a $200 online cash rewards bonus after making at least $1,000 in purchases within the first 90 days of account opening. A 0% intro APR for 15 months on purchases and 0% on balance transfers for 18 billing cycles make this card even more attractive. The Bank of America Customized Cash Rewards Credit Card offers useful flexibility.
#10 Chase Freedom Student Credit Card
Finally, the Chase Freedom Student Credit Card rounds out our list as a great option for those just getting started. It earns an unlimited 1% cash back on purchases and provides a $20 statement credit each school year that your account is in good standing. Valuable perks like 0% intro APR for 15 months, no annual fee, and benefits tied to a free Chase Student checking account add to the appeal.
While rewards may be modest, this student card helps young people build credit responsibly. It’s an ideal choice for teens heading to college or university.
Deciding on the Best Credit Card for You
When choosing a credit card, consider your spending habits, financial goals, and benefits you’d find most valuable. Cards with flexible rewards structures, lucrative welcome bonuses, low fees, and useful perks typically provide the most value. Review your options carefully and pick the card that best fits your lifestyle.
For many shoppers, the Famous Footwear Credit Card reigns supreme thanks to its high rewards potential on footwear purchases. But all of the credit cards on this list offer their own unique advantages you may prefer instead. Whichever one you decide on, make sure to use your new credit card responsibly by paying balances in full each month and keeping utilization low. With the right card choice, you can maximize rewards while building your credit score.
