Since starting this website, many of my friends started coming to me with financial questions. One I hear often is: What is the best credit card?
First of all, that’s kind of a trick question. The best credit card is the one that most fits your personal spending style.
That said, if I had to pick one card for accolades, it would be the Blue Cash Everyday® Card from American Express.
Great For: Easy cash back rewards with no enrollment or rotating categories.
Credit Needed: Excellent
Average Approved Score: 734
Lowest Approved Score: 686
- Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership
- Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
- Terms and Restrictions Apply.
|Intro APRPurchases||Intro TermPurchases||Intro APRBalance Transfers||Intro TermBalance Transfers||Regular APR||Annual Fee|
|0%||on Purchases for 12 months||N/A||N/A||12.99% – 21.99%* Variable||$0|
As you learn about how to use credit cards responsibly, this is obviously a card for users with excellent credit who pay their balance in full and want to get the best rewards possible.
But for those users, the reason I choose the Blue Cash Everyday® Card as my best credit card are simple: The card provides valuable cash rewards on things you buy everyday and American Express is consistently ranked tops for customer service.
If you need to pay a balance off over time or prefer specific travel rewards to cash, there may be better cards. But for everybody else, this is as close to the best credit card as you can get.
Disclaimer: One way I’m able to support my blogging while helping you is to link to products I like and earn a referral commission if you sign up. I only link to products I trust. That said, you should know that if you click the links to these cards and ultimately apply for and are approved for that card, I may be paid for that. If you choose to support Money Under 30 in that way, thanks!
This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.