How to Top 10 Best Credit Cards in USA

Top 10 Best Credit Cards in the USA

Rank	Card Name	Type	Annual Fee	Credit Score Needed
1	Chase Sa pphire Preferred®	Travel Rewards	$95	670+
2	American Express® Gold Card	Food/Travel	$250	700+
3	Capital One Venture Rewards	Flat Travel Rewards	$95	670+
4	Citi® Double Cash Card	Simple Cashback	$0	670+
5	Discover it® Cash Back	Rotating Cashback	$0	650+
6	Chase Freedom Unlimited®	Flat Cashback	$0	670+
7	Wells Fargo Active Cash®	Flat Cashback	$0	670+
8	Bank of America® Customized Cash	Category Cashback	$0	670+
9	Capital One QuicksilverOne®	For Fair Credit	$39	580+
10	Discover it® Secured	Build Credit	$0	No credit or poor

Apply Process (For All Cards)

1. Go to the official link (provided below)

1. Click “Apply Now”

1. Fill in:
  - - Name, SSN, address, income, employment status

1. Submit Application

1. Receive Approval (instant or within 7 days)

1. Card Delivered in 5–10 business days

General Eligibility

Criteria	Requirement
Age	18+
Citizenship	US Citizen or Legal Resident
Credit Score	Varies (580–750+)
Income	Proof of regular income required
SSN	Mandatory for all issuers

Required Documents

- ID Proof (Driver’s License or Passport)

- Social Security Number (SSN)

- Income Proof (Pay Stub, W-2, or Tax Return)

- Address Proof (Utility Bill or Bank Statement)

- Credit Report (Pulled automatically by issuer)

Card-Wise Apply Links & Key Benefits

1. Chase Sapphire Preferred®

- Apply Link

- 60,000 points bonus

- 2x on travel & dining

- Travel insurance, no foreign fees

2. American Express® Gold Card

- Apply Link

- 4x at restaurants & groceries

- Dining & airline credits

- Purchase protection

3. Capital One Venture Rewards

- Apply Link

- 2x on all purchases

- TSA PreCheck/Global Entry credit

- 75,000 miles welcome bonus

4. Citi® Double Cash Card

- Apply Link

- 2% cash back (1% when you buy, 1% when you pay)

- No annual fee

- Balance transfer available

5. Discover it® Cash Back

- Apply Link

- 5% on rotating categories

- Cashback match at year-end

- $0 annual fee, no foreign fees

6. Chase Freedom Unlimited®

- Apply Link

- 1.5% cash back on all purchases

- $200 bonus after $500 spend

- 0% APR for 15 months

7. Wells Fargo Active Cash®

- Apply Link

- 2% flat cashback

- $200 welcome bonus

- 0% APR for 15 months

8. Bank of America® Customized Cash Rewards

- Apply Link

- 3% in category of your choice (gas, online, etc.)

- $200 online bonus

- Great for Bank of America users

9. Capital One QuicksilverOne®

- Apply Link

- 1.5% cash back

- Helps build credit

- Good for fair credit (580–669)

10. Discover it® Secured

- Apply Link

- Ideal for building credit

- Converts to unsecured after 7 months

- 2% on gas & restaurants

❓ FAQ 1: Which is the best credit card in the USA for travel rewards?

Answer:
The Chase Sapphire Preferred® Card is a top travel card with 2x points on travel & dining, a large welcome bonus, and no foreign transaction fees.

❓ FAQ 2: Can I get a credit card in the USA with no credit history?

Answer:
Yes, you can apply for secured credit cards like Discover it® Secured or student cards like Capital One Journey Student if you’re new to credit.

❓ FAQ 3: What credit score is required for top-tier credit cards in the USA?

Answer:
Most premium cards require a credit score of 670 or higher. Some cashback or secured cards are available for fair credit (580–669).

❓ FAQ 4: What is the difference between cashback and travel rewards credit cards?

Answer:
Cashback cards offer straight cash rewards on purchases.
Travel cards offer points or miles redeemable for flights, hotels, and travel perks.

❓ FAQ 5: Do all the top credit cards charge annual fees?

Answer:
No. Some premium cards like Amex Gold or Chase Sapphire Preferred have annual fees, but others like Citi® Double Cash and Discover it® are $0 annual fee.