Best credit cards in the US

No. At the APRs on these cards, roughly 17% to 30%, interest costs several times what any rewards rate returns. A 2% card against a 20% APR is a losing trade. If you carry a balance, clearing it is worth far more than optimizing rewards.

It can, but only against your actual spending. A $95 fee needs roughly $4,750 of spending at a 2% advantage over a no-fee card just to break even. Run your own numbers rather than trusting a headline earn rate.

An unwritten Chase guideline under which applications are commonly declined if you have opened five or more credit cards across all issuers in the previous 24 months. It is not published in the card terms but it affects approval odds on Chase cards.

Because every figure here was read from the issuer's own page rather than copied from another comparison site, and that is slow. We would rather publish a handful of cards we have verified than hundreds we have not.