Best credit cards of June 2025
Advertiser Disclosure: Bankrate’s editorial team chooses and recommends the credit cards on this page. While we may receive compensation when users apply for cards through this page, our recommendations and card ratings are produced independently without influence by advertising partnerships with issuers.
Filter by
Showing 13 results
Know before you apply
Find out if you’re pre-approved - before any impact to your credit scores. Click "Apply Now" to get started. Terms Apply.
Best cash back card for food
Cardholder rating
on Capital One's secure site
See Rates & FeesIntro offer
Earn $200 Cash Back
Rewards rate
1% - 8%
Annual fee
$0
Regular APR
19.24% - 29.24% (Variable)
Why you'll like this: It’s one of the only cards to earn excellent, unlimited rewards rates at both grocery stores and restaurants.
Reward Details
What you should know
Card Details
Best standalone rewards card
Cardholder rating
on Chase's secure site
See Rates & FeesPurchase intro APR
0% Intro APR on Purchases for 15 months
Regular APR
18.99% - 28.49% Variable
Intro offer
Earn $200 cash back
Rewards rate
1.5% - 5%
Why you'll like this: Few cards offer a flat rewards rate this high in addition to bonus rewards in popular categories like dining and travel.
Reward Details
What you should know
Card Details
Apply with confidence:
By applying, you can see if you're approved before impacting your credit
Best rewards card for groceries
Cardholder rating
on American Express's secure site
See Rates & Fees, Terms ApplyIntro offer
Earn $250
Rewards Rate
1% - 6%
Annual fee
$0 intro annual fee for the first year, then $95.
APR
20.24%-29.24% Variable
Why you'll like this: This card’s chart-topping U.S. supermarket cash back rate (and rates in other key categories) can make it a de facto choice for big grocery spenders.
Reward Details
What you should know
Card Details
Best for affordable travel perks
Cardholder rating
on Capital One's secure site
See Rates & FeesIntro offer
Earn 75,000 miles
Rewards rate
2 Miles - 10 Miles
Annual fee
$395
Regular APR
19.99% - 29.24% (Variable)
Why you'll like this: It offers mostly valuable, practical perks like annual travel credits and airport lounge access, making it a better deal than many other luxury cards.
Reward Details
What you should know
Card Details
Best travel card for rewards value
Cardholder rating
on Chase's secure site
See Rates & FeesIntro offer
60,000 bonus points
Rewards rate
1x - 5x
Annual fee
$95
Regular APR
19.99% - 28.24% Variable
Why you'll like this: It boasts terrific rewards value with its annual bonus points, practical bonus categories, high-value points and redemption flexibility.
Reward Details
What you should know
Card Details
Best flat-rate cash back card
Intro offer
$200 cash back
Rewards Rate
2% - 5%
Annual fee
$0
Regular APR
18.24% - 28.24% (Variable)
Why you'll like this: It earns one of the best cash rewards rates on all eligible purchases, and sets itself apart from rivals with its stellar balance transfer offer and card pairing opportunities.
Reward Details
What you should know
Card Details
Best travel card for everyday spending
Intro offer
Earn 60,000 bonus ThankYou® Points
Rewards Rate
1X - 10X
Annual fee
$95
Regular APR
20.24% - 28.24% (Variable)
Why you'll like this: This card packs perhaps the widest range of relatively high-rate, unlimited bonus categories for popular everyday and travel expenses.
Reward Details
What you should know
Card Details
Apply with confidence:
By applying, you can see if you're approved before impacting your credit
Best luxury travel card
Cardholder rating
on American Express's secure site
See Rates & Fees, Terms ApplyIntro offer
Earn 80,000 points
Rewards rate
5X
Annual fee
$695
APR
See Pay Over Time APR
Why you'll like this: It boasts the most comprehensive airport lounge access you can get, plus dozens of other top-tier travel perks and credits totaling nearly $2,000 in value.
Reward Details
What you should know
Card Details
Best intro APR card for large purchases
on Wells Fargo's secure site
See Rates & FeesPurchase intro APR
0% intro APR for 21 months from account opening
Regular APR
17.24%, 23.74%, or 28.99% Variable APR
Intro offer
N/A
Rewards rate
N/A
Why you'll like this: It offers a long APR period on both new purchases and qualifying balance transfers.
What you should know
Card Details
Apply with confidence:
By applying, you can see if you're approved before impacting your credit
Best for food and travel
Cardholder rating
on American Express's secure site
See Rates & Fees, Terms ApplyIntro offer
Earn 60,000 points
Rewards rate
1X - 4X
Annual fee
$325
APR
See Pay Over Time APR
Why you'll like this: Its dining perks and top-tier rewards rate at both supermarkets and restaurants make it a uniquely valuable travel card for foodies.
Reward Details
What you should know
Card Details
Best for high cash back rates
Intro offer
$200
Rewards Rate
1% - 5%
Annual fee
$0
Regular APR
18.24% - 28.24% (Variable)
Why you'll like this: On top of the highest cash back rates across with a no-annual-fee card, this card’s unique flexibility makes it remarkably easy to adapt to ten major categories.
Reward Details
What you should know
Best balance transfer card
Intro offer
N/A
Rewards Rate
4%
Annual fee
$0
Regular APR
17.74% - 28.74% Variable
Why you'll like this: This newcomer recently broke the mold by offering one of the longest intro APRs available for purchases and balance transfers.
Reward Details
What you should know
Best balance transfer card for minimizing fees
Intro offer
N/A
Rewards Rate
N/A
Annual fee
$0
Regular APR
18.24% - 28.99% (Variable)
Why you'll like this: A low balance transfer fee and no late payment fees or penalty APR make this card a prime pick for minimizing the cost of a balance transfer.
What you should know
Remove a card to add another to compare
Remove a card to add another to compare
Compare Bankrate's best credit cards of 2025
Card name | Our pick for | Card highlights | Ongoing APR |
Bankrate Score
|
---|---|---|---|---|
Cash back card on food |
8% cash back on Capital One Entertainment purchases 5% cash back on hotels and rental cars through Capital One Travel 3% cash back on dining, entertainment, select streaming services and grocery store purchases (excluding superstores like Walmart and Target) No annual fee |
Regular APR: 19.24% - 29.24% (Variable)
|
5.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
|
|
Standalone rewards card |
5% cash back on travel booked through Chase Travel℠ 3% cash back on dining and drugstore purchases 1.5% cash back on all other purchases No annual fee |
Regular APR: 18.99% - 28.49% Variable
|
4.6 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Chase's secure site
|
|
Grocery rewards card |
6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%) and on select U.S. streaming subscriptions
3% cash back at U.S. gas stations and on transit
$95 annual fee ($0 intro annual fee the first year) |
Regular APR: 20.24%-29.24% Variable
|
4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
|
|
Affordable travel perks |
10X miles on hotel and rental car bookings through Capital One Travel 5X miles on flights and vacation rentals booked through Capital One Travel 2X miles on all other purchases Annual $300 Capital One Travel credit and 10,000 account anniversary bonus miles can help offset part of the annual fee $395 annual fee |
Regular APR: 19.99% - 29.24% (Variable)
|
5.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
|
|
Travel rewards value |
3X points on online grocery purchases (excluding Walmart, Target and wholesale clubs), dining (including eligible delivery services) and select streaming services 5X points on Chase Travel℠ and Lyft Rides (Lyft offer through September 30, 2027) 2X points on other travel 25% point value boost toward Chase Travel℠ redemption Yearly bonus points and credits: $50 annual hotel stay credit and 10% back on your previous year's total combined spending points $95 annual fee |
Regular APR: 19.99% - 28.24% Variable
|
4.9 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Chase's secure site
|
|
Flat-rate cash back |
2% cash back: 1% when you buy, 1% when you pay
0% intro APR for 18 months on balance transfers (transfers must be within the first four months)
No annual fee
|
Regular APR: 18.24% - 28.24% (Variable)
|
4.2 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Citi's secure site
|
|
Travel card for everyday spending |
10X points on hotels, car rentals and attractions booked via Citi Travel℠
3X points on air travel, other hotel purchases and purchases at restaurants, supermarkets, and gas and EV charging stations
$100 annual hotel benefit discount on a single hotel stay of $500 or more booked via Citi Travel℠ (excludes taxes and fees)
$95 annual fee |
Regular APR: 20.24% - 28.24% (Variable)
|
4.6 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Citi's secure site
|
|
Luxury travel card |
5X points on directly-booked airfare and flights and prepaid hotels booked through American Express Travel® (on up to $500,000 spent on flights per calendar year) 2X points on prepaid car rentals, vacation packages and cruise reservations through American Express Travel® Offers one of the most valuable lists of travel perks available, including around $1,700 of recurring monthly and annual credits plus comprehensive airport lounge access $695 annual fee |
Regular APR: See Pay Over Time APR
|
4.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
|
|
Large purchases |
0% intro APR for 21 months from account opening on qualifying balance transfers (within the first 120 days) and purchases
(The regular APR will apply thereafter; 5% balance transfer fee, $5 minimum)
No annual fee |
Regular APR: 17.24%, 23.74%, or 28.99% Variable APR
|
4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Wells Fargo's secure site
|
|
Travel card for food |
4X points on restaurants worldwide (on up to $50,000 in purchases per year, then 1x points) and U.S. supermarket purchases (on up to $25,000 in purchases per year, then 1X points) 3X points on flights booked directly with airlines or via Amex Travel Over $400 in various credits in monthly Uber Cash and credits toward eligible dining purchases (Uber Cash expires at the end of the month. Enrollment required for all credits.) $325 annual fee |
Regular APR: See Pay Over Time APR
|
4.9 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
|
|
High cash back rates |
5% cash back on your top eligible spending category each billing cycle (on up to $500 each billing cycle, then 1%)
Category automatically selected from a pool of ten categories, including top options like restaurants, gas, grocery stores and select travel.
4% cash back on hotels, car rentals and attractions booked via Citi Travel℠ (through June 30, 2026)
No annual fee |
Regular APR: 18.24% - 28.24% (Variable)
|
|
|
Balance transfer card |
0% intro APR for 24 billing cycles on balance transfers and purchases (transfers must be within 60 days; 5% balance transfer fee, $5 minimum)
4% cash back on prepaid flights, hotel and rental cars through the U.S. Bank Rewards Center
$20 annual statement credit after 11 consecutive calendar months of purchases
No annual fee |
Regular APR: 17.74% - 28.74% Variable
|
|
|
Minimizing fees |
0% intro APR for 21 months on balance transfers (within the first four months) and 12 months on purchases
No late payment fees or penalty APR
Low intro balance transfer fee: 3% within the first four months, then 5% ($5 minimum) |
Regular APR: 18.24% - 28.99% (Variable)
|
|