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Reddit can be a great resource to get answers for your different questions or even learn something new. It’s possible that you have even looked for a “best credit cards Reddit” before applying for a new credit card. For example, maybe you want to see what the best credit card offers are or which cards pay the most rewards points.
Editor’s Note: Some of the offers below may have expired or are no longer available on our site.
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
There isn’t a specific subreddit the solely focuses on the best credit cards. But, you can find plenty of advice in the Credit Cards and Personal Finance subreddits. Below are some of the credit card questions other Reddit users have asked.
Maybe you have been wanting to ask the same question. Either way, we’ve put together some information regarding those Reddit credit cards questions in the hopes that it answers yours. Check it out in our best Reddit credit cards guide.
Best Credit Card for Points and Rewards
You might be curious to see what others recommend as being the best credit card for points and rewards. This is a difficult question to answer because all of us have different credit situations and spending habits. Plus, you must decide if you want to redeem cash rewards or travel rewards.
There are many options for the best rewards credit card. But The Platinum Card® from American Express and the Chase Sapphire Reserve® rank as two of the best for offering the most rewards points and extra benefits. Plus, both come with flexibility when redeeming rewards.
However, getting a co-brand airline or hotel credit card can be a better fit if you consistently travel with one or two brands.
There’s also the best cash back credit cards.
Learn more: Travel Rewards Credit Cards
Best Credit Card for Hotels and Flights
When travel, hotel nights and plane tickets will probably be your two largest travel expenses, picking the best credit cards for travel purchases is ideal. There are many excellent travel credit cards to choose from, but several cards should make the shortlist for any traveler.
The Platinum Card® from American Express earns 5x points when booking flights directly through the airline or on AmexTravel.com, up to $500,000 points per year on these purchases. You also earn 5x points when booking hotels through AmexTravel. Your points are redeemable for award travel and you can also transfer them on a 1:1 basis to several airline and hotel partners including Delta SkyMiles, British Airways Avios, Singapore Airlines, and Hilton Honors. But, the Amex Platinum has a high annual fee of $550 (See Rates & Fees). Terms apply.
If you like the simplicity of flat-rate rewards, the Capital One Venture Rewards Credit Card earns unlimited 2 miles per $1 spent on every purchase. This is an easy way to maximize any travel and non-travel purchase. Your miles can be redeemed in any amount for travel statement credits. Booking upcoming award travel and airline mile transfers are two other redemption options you may appreciate.
New Capital One Venture Rewards Credit Card cardholders can earn 100,000 bonus miles after spending $20,000 on purchases in the first 12 months from account opening, or earn 50,000 miles after spending $3,000 on purchases in the first 3 months.
Learn more: Travel Rewards Credit Cards
Best Credit Card for Gas and Groceries
Two of your most common monthly expenses are most likely gas and groceries. These two purchases are an easy way to earn bonus points every week. The best gas credit cards and best credit cards for grocery purchases offer bonuses and rewards for these specific purchases.
Possibly the best overall card for both purchases is The Blue Cash Preferred® Card from American Express. You earn 6% back at U.S. supermarkets on the first $6,000 spent annually, then 1%. All U.S. gas station purchases earn an unlimited 3% back. You also get 6% back on select streaming subscriptions, 3% back on transit like rideshare, tolls, trains and more. All non-bonus spend earns 1%. Cash back comes in the form of Reward Dollars that can be redeemed as a statement credit. Additionally, Plan It gives cardholders the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest (terms apply).
The annual fee is $0 the first year, then $95 (See Rates & Fees).
The welcome offer is the ability to earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back. Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
Learn more: Cash Back Credit Cards
Best Cash back Credit Card
Cash back credit cards are a popular topic on Reddit. Your best option depends on if you want a flat-rate or tiered rewards card. As cash back cards usually don’t offer many additional benefits, it usually makes sense to choose the best travel credit cards with no annual fees.
The Citi® Double Cash Card is the best flat-rate card because you earn up to 2% back on every $1 spent. You earn 1% when you buy plus an additional 1% when you pay for your purchases. Most flat-rate cards only offer up to 1.5% back on purchases.
For tiered rewards, the Chase Freedom is a perennial favorite. You can earn 5% back on the first $1500 spent on rotating bonus categories and 1% for everything else. This card earns Chase Ultimate Rewards points which are worth 1 cent each when redeemed for cash, travel, gift card, or Amazon.com credit.
The Capital One Savor Cash Rewards Credit Card is another top choice as you get 4% back on dining, select streaming services, and entertainment. However, you do pay a $95 annual fee. If your spending doesn’t offset the fee, the Capital One SavorOne Cash Rewards Credit Card is fee-free and still earns 3% back on dining, select streaming services, entertainment, and groceries.
The information for the Capital One Savor Cash Rewards Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Best Credit Card for Starters
The Reddit credit card questions range from getting a first credit card to being an expert churner. Another common question is the best travel credit card for beginners. The person asking this particular question was 24 years old who now wants to build credit.
One option is applying for a card through your current bank as they are more likely to approve your application since you are a current customer. Another option is researching the credit cards that have the highest approval odds for your current credit score range. Check out our post on the easiest credit cards to get approved for more info.
A current popular option is the Capital One Platinum Credit Card as it doesn’t charge an annual fee and your credit limit can increase after the first 6 months of on-time payments. You also only need a minimum 580 credit score to have the best approval odds.
Another option can be getting a secured credit card when you have no credit and are not a college student. The best instant approval credit cards don’t have an annual fee and can also earn rewards points. Secured cards do require an upfront security deposit (it’s refundable) in order to open an account.
Each on-time payment can increase your credit score so you can apply for a more robust option in the future.
As you can see, there is a wide variety of credit card questions on Reddit. Maybe you want to ask a similar question and can find the answer in an existing thread. Or maybe you are simply curious and will learn about a new credit card through another person asking a question.
For rates and fees of The Blue Cash Preferred® Card from American Express, please click here.
For rates and fees of The Platinum Card® from American Express, please click here.
Chase Sapphire Preferred® Card
- Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
- Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.