Chip Lupo, Credit Card Writer
@CLoop
The credit card that is most worthwhile is the Wells Fargo Active Cash® Card because it has a $0 annual fee and offers 2% cash rewards on purchases with an initial bonus of $200 cash rewards after spending $500 on purchases in the first 3 months. It also has an introductory APR of 0% for 12 months from account opening, with a regular APR of 18.74%, 24.74%, or 28.74% Variable, afterwards. On top of that, the card’s rewards don’t expire, and it comes with additional benefits like cell phone insurance, a concierge service and roadside dispatch.
Ultimately, determining which credit card is most worthwhile depends largely on your spending habits, lifestyle and financial goals. Fortunately, there are several credit cards that offer exceptional rewards and benefits that may appeal to a wide range of consumers.
Credit Cards That Are Most Worthwhile in 2025
- Rates & Fees Overall: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Overall: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Overall: Wells Fargo Active Cash® CardLearn MoreLearn More
- Rates & Fees Travel: Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Travel: Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
- Travel: Chase Sapphire Preferred® CardLearn MoreLearn More
- Rates & Fees 0% Introductory APR: Wells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees 0% Introductory APR: Wells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- 0% Introductory APR: Wells Fargo Reflect® CardLearn MoreLearn More
- Rates & Fees Bonus Cash Back: Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Rates & Fees Bonus Cash Back: Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Bonus Cash Back: Chase Freedom Unlimited®Learn MoreLearn More
- Rates & Fees Fair or Limited Credit: Capital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Fair or Limited Credit: Capital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Fair or Limited Credit: Capital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn More
- Rates & Fees Bad Credit: Capital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Bad Credit: Capital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Bad Credit: Capital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn More
- Overall:
- Travel:
- 0% Introductory APR:
- Bonus Cash Back:
- Fair or Limited Credit:
- Bad Credit:
Keep in mind that to maximize the potential of any credit card, you should keep your credit utilization low and pay your balance in full by the due date each month the regular APR is in effect to avoid accruing interest. You can learn more about the best credit cards on WalletHub.
2025's Best Credit Cards
Popular Credit Cards
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Low Intro APR & Bonus Rewards
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Everyday Cash Back
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Good Credit
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0% Intro APR
People also ask
What credit card do millionaires use?
Millionaires use credit cards like the Centurion® Card from American Express (Amex Black Card) and the J.P. Morgan Reserve Credit Card. Both cards require an invitation to apply, and millionaires have the best chance of getting these high-end credit cards.
Credit Cards That Millionaires Use
- Centurion® Card from American Express
- J.P. Morgan Reserve Credit Card
- Chase Sapphire Reserve®
- Dubai First Royale Mastercard
Some millionaires choose premium travel rewards cards such as American Express Platinum Card® and Chase Sapphire Reserve when invite-only cards aren’t a good option. People with good/excellent credit...
read full answer by Chip Lupo, Credit Card WriterIs it better to have more credit cards or fewer?
There is no golden rule about whether it is better to have more credit cards or fewer. In fact, there is no rule about how many cards you should have, or how many cards are too many. It really depends on your personal needs, as well as your credit standing and organizational skills.
Using more than one credit card can help you save by allowing you to get the best terms for every transaction that...
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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