The 5 Best Credit Cards from Reddit You Should Know

The 5 Best Credit Cards from Reddit You Should Know

When deciding which credit card to apply for, there can be an overwhelming amount of options to choose from. In this article, we’ve done the work for you and found the top 5 best credit cards according to Reddit.

American Express Blue Cash Preferred

According to the Reddit post quoted below, credit card veterans listed their preferred list off their preferred credit cards and what they used them for. One prime example is the American Express Blue Cash Preferred card, also abbreviated as BCP. This card is one of the most praised and mentioned credit cards across various Reddit credit card subthreads.

Here is a breakdown from one Reddit user:

“Grocery: Blue Cash everyday because of $10 cash back on $200 spend for next two months and 3% back. For Me: Gas: BCP, Groceries: BCP, Dining: Amex Gold, Flights: Amex Gold, Streaming: BCP, Everything else: If Apple Pay is Available, Apple Card, If not, Quicksilver. Have only really just started to travel again so may add a Hotel branded card into the mix.”

With the American Express Blue Cash Preferred credit card, you’ll earn 6% cashback at U.S. grocery stores up to $6,000 per year, 6% on streaming services, and 3% back on U.S. gas stations and transit. The card also offers 0% APR for the first 12 months.

The card does come with a high annual fee at $95 per year, which is higher than others in the market and requires a good credit score. However, the combination of high rewards rates, a strong introductory APR period, and cash rewards, makes this a fantastic credit card.

Chase Freedom Flex

Following the same thread from above, Chase Freedom Flex also is a popular credit card option. People like the cashback rates for grocery and food categories which can increase during different quarters of the year.

Chase Freedom Flex offers 5% cash back on travel and 5% back on rotating categories each quarter. It also does not have an annual fee and offers great bonus offers for new accounts. This card requires a good to an excellent credit score but is a great option for those who qualify.

Charles Schwab AmEx Platinum

As a platinum card, the Charles Schwab AmEx Platinum may be difficult to qualify for. Regardless, it remains a Reddit favorite. With classic American Express Platinum benefits, you can also earn up to $200 in bonus statement credits with no additional foreign transaction fees.

The Charles Schwab AmEx Platinum is an elite credit card. In order to have one, you are required to have an eligible Schwab account. You must have an excellent credit score and be willing to pay their $695 annual fee.

Chase Sapphire Preferred
Following a comment above
, the Chase Sapphire Preferred is also a commonly referenced card on Reddit.
The Chase Sapphire Preferred has a comparatively better annual fee at $95 per year compared to other competitors The intro bonus points, reward credit, and travel benefits make it a great option for travel including airfare, hotels, cruises, and car rentals.

Discover IT Card

Discover IT is the most widely achievable credit card that’s often mentioned on Reddit. With a recommended credit score between 630 and 850, it is much more accessible than platinum cards.

The Reddit comment below references the card's benefits for gas, groceries, and restaurants.

Discover IT also offers a great intro APR at 0% for the first 15 months on both purchases and balance transfers along with unlimited cashback matching. It also offers a $0 annual fee.

Bottom LineWhich Credit Card Should You Get?

Whichever card you choose from, always make sure that you do ample research and follow some of the best practices in order to manage your debt well. Most people fall into the debt trap not because they take on using credit cards, but because they are unable to pay them back on time.

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