What is the best credit card?


When I tell people what I do for a living (I blog about rewards credit cards and frequent flyer miles), the first question they usually ask is how it’s possible to make money doing so.  And so I’ve publicly answered that one: My job? I blog. Here’s the answer to your next question…

Then, once that answer has been digested, the next question is usually some variation of “what is the best credit card?” or “which credit card should I get?”  And the answer to that is “it depends“.

The Best Credit Card: It Depends

The best credit card for you depends upon your situation, your goals, things you value, and much more.  Even if we limit the focus to which card offers the best rewards, there are countless right answers.  Some people value elite status perks above all else.  To others, those are meaningless.  Some value the ability to cheaply book international first class flights.  Others fly only domestic, or not at all.  Some love hotel chain free nights.  Others want to stay only in mom & pop B&Bs.

And once you know which types of rewards you want, there are still many angles to consider.  Are you looking for a one time big signup bonus?  Or, do you want to earn lots of rewards from ongoing spend?  If the latter, do you spend a lot at stores where credit cards offer bonus points?  How much will you likely spend altogether?

Resource pages help answer the question for you

Yesterday I completely re-wrote an old resource page: Best Big Spend Bonuses.  The page now lists my picks for the best rewards available through high spend.  And, if you disagree with my picks, there’s a table at the bottom of the page with all cards from our database that offer perks for big spend.  If you’re thinking of spending big on a credit card, there should be something of interest for you in that list.  Here are other resource pages that can help…

Are you looking for a quick infusion of rewards?  If so, you should be looking for the best signup offers.  Here are a few pages that can help:

Are you looking for the best rewards for spend?  If so, check these out:

And if those pages aren’t enough, I recommend joining our Frequent Miler Insiders Facebook Group.  There, you can ask others in the community for their suggestions of what’s best for you.

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[…] you might want to check out our post from this fall asking the burning question on your mind: What is the best credit card? — hopefully that will provide some clarity and help you start to develop a road map to […]


I’ve never heard of a credit card called “IT Depends.” Is that a new version of the Discover IT card? 25x rewards on monthly categories. Quadruple rewards if you have $100,000,000 in a Discover banking account.


For me it’s Chase Ink Plus. If I have to have only one card it would be it.


Asking which card is the best is like asking should I marry the blonde, the brunette, the Asian or the Hispanic.

The answer is your needs will change over time. Keep all of them in your pocket.