What’s the Best Credit Card?

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?

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.

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.

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About David Weliver

David Weliver is the founding editor of Money Under 30. He's a cited authority on personal finance and the unique money issues we face during our first two decades as adults. He lives in Maine with his wife and two children.


  1. JoAnna Sandoval says:

    Hello David! I am so glad I found your websitee, it offers very productive information and I plan on following it up. I am a 21 year old college student. I have never had any credit cards, I have a $900 loan for school and I graduate in a year and a half. I have truly been blessed to have gotten by so far with so little debt, but mostly because of financial aid and scholarships. I have a about $1500 in savings, and an ok bank balance, and hope to get a job soon (waiting for their reply). My parents don’t have very much to offer me, but I really need to get a car. The one I had needs about $2,300 to repair it through a repair shop, or $1,500 from a cousin with no guarantees. I plan on trading in this car once it is repaired and I have a steady income, but I need to figure out how to get it fixed first. I know I need to build credit as well, so would you recommend putting the repair on a new credit card so I can make small payments until I get a job (the one I am hoping to get pays well and will allow for much larger payments once I start)? I don’t want to drain my savings to fix this car just in case something else happens, but I do not like debt. If it does sound like a good plan, would you recommend that Blue Cash from American Express that you were talking about? Or City PremierPass, Discover Miles Card, BankAmericard Visa Signature Card, Capital One or anything else you would recommend instead? I only plan on using the card for this one big repair cost, and once that is paid off, only small purchases to build credit, occassional big expenses for no more than a few hundred dollars for electronics and/or possibly small trips.