{"id":2885,"date":"2025-05-28T00:45:51","date_gmt":"2025-05-28T03:45:51","guid":{"rendered":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/?p=2885"},"modified":"2025-05-28T00:45:51","modified_gmt":"2025-05-28T03:45:51","slug":"what-are-the-three-best-credit-cards-to-have","status":"publish","type":"post","link":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/","title":{"rendered":"What are the three best credit cards to have?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#What_Are_the_Three_Best_Credit_Cards_to_Have\" >What Are the Three Best Credit Cards to Have?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Why_Choosing_the_Right_Credit_Card_Matters\" >Why Choosing the Right Credit Card Matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#The_Best_Credit_Cards_for_Most_Americans\" >The Best Credit Cards for Most Americans<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#1_Chase_Sapphire_Preferred%C2%AE_Card\" >1. Chase Sapphire Preferred\u00ae Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#2_Citi%C2%AE_Double_Cash_Card\" >2. Citi\u00ae Double Cash Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#3_Discover_it%C2%AE_Cash_Back\" >3. Discover it\u00ae Cash Back<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Additional_Considerations_When_Choosing_Credit_Cards\" >Additional Considerations When Choosing Credit Cards<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Credit_Score_Requirements\" >Credit Score Requirements<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Annual_Fees_vs_Benefits\" >Annual Fees vs. Benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Interest_Rates_and_Introductory_Offers\" >Interest Rates and Introductory Offers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Type_of_Rewards\" >Type of Rewards<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#How_to_Maximize_Your_Credit_Card_Benefits\" >How to Maximize Your Credit Card Benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#What_About_Secured_Credit_Cards_and_Specialty_Needs\" >What About Secured Credit Cards and Specialty Needs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Summary_of_the_Top_Three_Credit_Cards\" >Summary of the Top Three Credit Cards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Related_Articles\" >Related Articles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Our_Categories\" >Our Categories:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#The_Three_Best_Credit_Cards_to_Have\" >The Three Best Credit Cards to Have<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Top_Three_Credit_Cards_to_Consider\" >Top Three Credit Cards to Consider<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#1_Chase_Sapphire_Preferred%C2%AE_Card-2\" >1. Chase Sapphire Preferred\u00ae Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#2_Citi%C2%AE_Double_Cash_Card-2\" >2. Citi\u00ae Double Cash Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#3_Discover_it%C2%AE_Secured_Credit_Card\" >3. Discover it\u00ae Secured Credit Card<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#What_makes_a_credit_card_one_of_the_%E2%80%9Cbest%E2%80%9D_to_have\" >What makes a credit card one of the &#8220;best&#8221; to have?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Is_it_better_to_have_multiple_credit_cards\" >Is it better to have multiple credit cards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Which_credit_card_is_best_for_travel_rewards\" >Which credit card is best for travel rewards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Can_I_get_rewards_with_a_no-annual-fee_credit_card\" >Can I get rewards with a no-annual-fee credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#What_credit_card_should_I_get_to_build_credit\" >What credit card should I get to build credit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Are_sign-up_bonuses_worth_it\" >Are sign-up bonuses worth it?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#How_does_cash_back_work\" >How does cash back work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Can_I_use_rewards_points_for_things_other_than_travel\" >Can I use rewards points for things other than travel?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Are_annual_fees_worth_paying\" >Are annual fees worth paying?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#How_do_travel_protections_on_credit_cards_help_me\" >How do travel protections on credit cards help me?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Can_you_have_more_than_one_rewards_credit_card\" >Can you have more than one rewards credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#What_credit_score_do_I_need_for_these_top_cards\" >What credit score do I need for these top cards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Is_it_better_to_pay_off_my_balance_in_full_each_month\" >Is it better to pay off my balance in full each month?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#How_do_I_choose_the_best_credit_card_for_me\" >How do I choose the best credit card for me?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Do_rewards_cards_affect_my_credit_score\" >Do rewards cards affect my credit score?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2885\/#Also_discover\" >Also discover<\/a><\/li><\/ul><\/nav><\/div>\n<p><strong>What are the three best credit cards to have?<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_the_Three_Best_Credit_Cards_to_Have\"><\/span>What Are the Three Best Credit Cards to Have?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Choosing the right credit card can feel overwhelming with so many options available in today\u2019s market. Whether you&#8217;re looking to build your credit score, earn valuable rewards, or save money on everyday purchases, the best credit cards can make a significant difference in your financial life. In this article, we\u2019ll explore the three best credit cards to have based on different user needs, highlighting their benefits, features, and what makes them stand out according to recent Google searches and real user questions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Choosing_the_Right_Credit_Card_Matters\"><\/span>Why Choosing the Right Credit Card Matters<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Before diving into specific cards, it\u2019s essential to understand why picking the right credit card is crucial for your financial health. A credit card is more than just a payment tool; it impacts your credit score, controls your debt levels, and offers rewards or cashback benefits.<\/p>\n<ul>\n<li><strong>Impact on Credit Score:<\/strong> Using the right card responsibly helps build your credit history, making it easier to qualify for loans, mortgages, or future credit cards with better terms.<\/li>\n<li><strong>Maximizing Rewards:<\/strong> Different cards offer points, miles, cashback, or special perks that can save you money or enhance your lifestyle.<\/li>\n<li><strong>Financial Flexibility:<\/strong> Cards with low interest rates or 0% introductory APR plans provide breathing room for major purchases or balance transfers.<\/li>\n<\/ul>\n<p>With these goals in mind, let\u2019s investigate the top credit cards that consistently earn top marks for various user categories.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Best_Credit_Cards_for_Most_Americans\"><\/span>The Best Credit Cards for Most Americans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While there is no \u201cone-size-fits-all\u201d credit card, three cards frequently rise to the top when it comes to overall value, rewards, and user satisfaction in the U.S. market:<\/p>\n<ul>\n<li><strong>Chase Sapphire Preferred\u00ae Card<\/strong><\/li>\n<li><strong>Citi\u00ae Double Cash Card<\/strong><\/li>\n<li><strong>Discover it\u00ae Cash Back<\/strong><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"1_Chase_Sapphire_Preferred%C2%AE_Card\"><\/span>1. Chase Sapphire Preferred\u00ae Card<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The <strong>Chase Sapphire Preferred\u00ae Card<\/strong> is an excellent card for travelers and rewards enthusiasts. It strikes a balance between enjoyable perks and a reasonable annual fee.<\/p>\n<h4>Key Features<\/h4>\n<ul>\n<li><strong>Sign-up Bonus:<\/strong> Earn 60,000 bonus points after spending $4,000 in the first 3 months (worth $750 when redeemed for travel through Chase Ultimate Rewards\u00ae).<\/li>\n<li><strong>Rewards:<\/strong> 5X points on travel purchased through Chase Ultimate Rewards\u00ae, 3X points on dining worldwide, and 2X points on all other travel expenses.<\/li>\n<li><strong>Annual Fee:<\/strong> $95<\/li>\n<li><strong>No Foreign Transaction Fees:<\/strong> Ideal for international travelers.<\/li>\n<li><strong>Travel Protection:<\/strong> Includes trip cancellation\/interruption insurance, primary rental car insurance, and purchase protection.<\/li>\n<\/ul>\n<p><em>Why do users love this card?<\/em> The Chase Sapphire Preferred\u00ae offers a generous points system that is flexible and valuable for vacations, flights, and dining out. Many users highlight the benefit of combining points with partners like airlines and hotel chains for maximum value.<\/p>\n<h4>Who Should Apply?<\/h4>\n<ul>\n<li>Frequent travelers who want to maximize travel rewards.<\/li>\n<li>People comfortable with paying a modest annual fee for perks.<\/li>\n<li>Cardholders seeking balanced rewards on travel and dining expenses.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"2_Citi%C2%AE_Double_Cash_Card\"><\/span>2. Citi\u00ae Double Cash Card<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you\u2019re after straightforward cashback rewards, the <strong>Citi\u00ae Double Cash Card<\/strong> is one of the best credit cards for consistent cash earnings without any confusing categories.<\/p>\n<h4>Key Features<\/h4>\n<ul>\n<li><strong>Cashback Rate:<\/strong> Earn 2% cashback on all purchases (1% when you buy and 1% when you pay your bill).<\/li>\n<li><strong>No Annual Fee:<\/strong> Perfect for those who prefer a no-cost credit card.<\/li>\n<li><strong>Intro APR Offer:<\/strong> 0% introductory APR on balance transfers for 18 months (then variable APR applies).<\/li>\n<li><strong>Additional Benefits:<\/strong> Includes access to Citi Entertainment and some purchase protections.<\/li>\n<\/ul>\n<p><em>Why do people choose this card?<\/em> The simplicity of earning a flat 2% cashback on everything appeals to users who dislike juggling multiple reward categories or remembering rotating bonus offers.<\/p>\n<h4>Who Should Apply?<\/h4>\n<ul>\n<li>Everyday spenders seeking steady cashback without annual fees.<\/li>\n<li>People looking to pay down existing credit card debt without interest in the short term (thanks to the intro APR).<\/li>\n<li>Those who prefer simplicity over premium travel perks.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"3_Discover_it%C2%AE_Cash_Back\"><\/span>3. Discover it\u00ae Cash Back<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The <strong>Discover it\u00ae Cash Back<\/strong> card is a fantastic option for cash back earners, especially those who want to optimize quarterly rotating categories to maximize rewards.<\/p>\n<h4>Key Features<\/h4>\n<ul>\n<li><strong>Cashback Program:<\/strong> Earn 5% cashback on up to $1,500 in purchases each quarter in rotating categories, and 1% cashback on all other purchases.<\/li>\n<li><strong>Cashback Match:<\/strong> Discover matches all the cashback you\u2019ve earned at the end of your first year automatically.<\/li>\n<li><strong>No Annual Fee:<\/strong> Affordable and accessible.<\/li>\n<li><strong>Additional Perks:<\/strong> Free FICO score access, no foreign transaction fees, and wide acceptance.<\/li>\n<\/ul>\n<p><em>What appeals to users?<\/em> Cardholders appreciate the cashback match, which essentially doubles the rewards in the first year. Moreover, the rotating categories often include grocery stores, gas stations, or Amazon purchases\u2014ideal for everyday spending.<\/p>\n<h4>Who Should Apply?<\/h4>\n<ul>\n<li>People willing to keep track of rotating categories to maximize rewards.<\/li>\n<li>Individuals who want no fees and extra first-year cashback bonuses.<\/li>\n<li>Consumers who value customer service\u2014Discover is known for its support.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Additional_Considerations_When_Choosing_Credit_Cards\"><\/span>Additional Considerations When Choosing Credit Cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Beyond rewards and fees, several factors should influence which credit card you decide to get. Many Google search queries revolve around these considerations, reflecting user concerns.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Credit_Score_Requirements\"><\/span>Credit Score Requirements<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Each credit card has a recommended credit score range for approval. The three cards above generally require good to excellent credit (<em>around 670 and above<\/em>), but checking your credit score before applying can save time and prevent denials or hard inquiries.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Annual_Fees_vs_Benefits\"><\/span>Annual Fees vs. Benefits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Some of the best credit cards come with annual fees, but those fees may be worth it if the rewards and perks balance out or exceed the cost. Conversely, if you prefer simplicity or use your card sparingly, a no-annual-fee card might be better.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Interest_Rates_and_Introductory_Offers\"><\/span>Interest Rates and Introductory Offers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Look for cards with 0% introductory APR offers if you plan to carry a balance temporarily or want to transfer debt. This can save you money on interest while paying down credit card balances.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Type_of_Rewards\"><\/span>Type of Rewards<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Cashback Cards:<\/strong> Best if you want something simple and tangible.<\/li>\n<li><strong>Points or Travel Cards:<\/strong> Ideal if you travel often or enjoy redeeming rewards for flights and hotels.<\/li>\n<li><strong>Specialty Cards:<\/strong> Some cards focus on specific industries like gas, groceries, or business expenses.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Maximize_Your_Credit_Card_Benefits\"><\/span>How to Maximize Your Credit Card Benefits<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Choosing the best credit cards is just the beginning. To really unlock their value, here are some actionable tips that real users find helpful and often search for:<\/p>\n<ul>\n<li><strong>Pay Your Balance in Full:<\/strong> Avoid interest charges by paying carefully every month.<\/li>\n<li><strong>Use Your Card for Everyday Expenses:<\/strong> Earn rewards faster by putting all regular purchases on your card.<\/li>\n<li><strong>Track Bonus Categories:<\/strong> For cards like Discover it\u00ae, activating and remembering rotating categories helps boost rewards.<\/li>\n<li><strong>Redeem Rewards Wisely:<\/strong> Some cards have options to get higher value on travel redemptions or transfer rewards to partner programs.<\/li>\n<li><strong>Monitor Your Credit Score:<\/strong> Regular checks help you understand when upgrade or new card opportunities are available.<\/li>\n<li><strong>Leverage Signup Bonuses:<\/strong> Meeting minimum spend thresholds within a short time can unlock big rewards.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_About_Secured_Credit_Cards_and_Specialty_Needs\"><\/span>What About Secured Credit Cards and Specialty Needs?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you\u2019re new to credit or rebuilding, the best credit card options might be different. Many users search for credit cards suitable for building credit. A <strong>secured credit card<\/strong> like the Discover it\u00ae Secured can be an excellent choice, offering cashback with a security deposit to protect the lender.<\/p>\n<p>Additionally, those with specific needs\u2014such as business owners, students, or people who frequently travel internationally\u2014might find tailored cards better suited to their situation. For instance, business credit cards often come with expense tracking and higher credit limits, while student cards focus on establishing credit responsibly.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Summary_of_the_Top_Three_Credit_Cards\"><\/span>Summary of the Top Three Credit Cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Credit Card<\/th>\n<th>Main Benefit<\/th>\n<th>Annual Fee<\/th>\n<th>Rewards<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Chase Sapphire Preferred\u00ae<\/td>\n<td>Superior travel rewards and perks<\/td>\n<td>$95<\/td>\n<td>5X travel, 3X dining, 2X other travel<\/td>\n<\/tr>\n<tr>\n<td>Citi\u00ae Double Cash<\/td>\n<td>Simple flat 2% cashback on all purchases<\/td>\n<td>$0<\/td>\n<td>2% cashback (1% buy + 1% pay)<\/td>\n<\/tr>\n<tr>\n<td>Discover it\u00ae Cash Back<\/td>\n<td>Rotating 5% cashback categories + cashback match<\/td>\n<td>$0<\/td>\n<td>5% quarterly categories up to $1,500<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>By understanding your spending habits and financial goals, you can confidently select one of these top credit cards or look for alternatives that better suit your lifestyle. Remember, the best card is the one that fits your needs today and helps you build a stronger financial future.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-212\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6.webp\" alt=\"Thumbnail Smart Finance (6)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Related_Articles\"><\/span>Related Articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"page-generator-pro-related-links page-generator-pro-related-links-columns-1 page-generator-pro-related-links-prev-next page-generator-pro-related-links-vertical\"><li class=\"prev\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3368\/\" title=\"What are the pros and cons of cash back credit cards?\">What are the pros and cons of cash back credit cards?\n                            <\/a>\n                        <\/li><li class=\"next\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3531\/\" title=\"What are the three top credit cards?\">What are the three top credit cards?\n                            <\/a>\n                        <\/li><\/ul>\n<p>Our HOME in English: <a href=\"https:\/\/finance.familiaeabiblia.com.br\/\" target=\"_blank\" rel=\"noopener\">Smart Finance: Learn, Invest, and Grow<\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-262\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56.webp\" alt=\"Thumbnail Smart Finance (56)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Our_Categories\"><\/span>Our Categories:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcb3 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/\">Credit Cards<\/a>: Comparisons, reviews, and tips to choose the best card for your profile \u2014 cashback, travel rewards, no annual fee, and more.<\/li>\n<li>\ud83c\udfe6 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/digital-banks\/\">Digital Banks<\/a>: Practical guides and evaluations of digital bank accounts, fees, benefits, and services.<\/li>\n<li>\ud83d\udcc8 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/investing\/\">Investments<\/a>: Beginner guides, fixed income and variable income options, real estate investment trusts (REITs), and more.<\/li>\n<li>\ud83e\uddee <a href=\"https:\/\/finance.familiaeabiblia.com.br\/financial-education\/\">Financial Education<\/a>: Learn to manage your budget, build an emergency fund, and get out of debt.<\/li>\n<li>\ud83d\ude97 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/loans-financing\/\">Loans and Financing<\/a>: Explanations about mortgage, auto, and student loans, with smart money-saving tips.<\/li>\n<li>\ud83d\udee1\ufe0f <a href=\"https:\/\/finance.familiaeabiblia.com.br\/insurance\/\">Insurance<\/a>: Information about the most important types of insurance to protect your family and assets.<\/li>\n<li>\ud83d\udcca <a href=\"https:\/\/finance.familiaeabiblia.com.br\/taxes-income\/\">Taxes and Income<\/a>: Guidance on tax filing, investment taxation, and fiscal responsibilities.<\/li>\n<li>\ud83c\udfd6\ufe0f <a href=\"https:\/\/finance.familiaeabiblia.com.br\/retirement-planning\/\">Retirement Planning<\/a>: Tips to plan your retirement with private retirement plans, Social Security benefits, and passive income strategies.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-209\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3.webp\" alt=\"Thumbnail Smart Finance (3)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Three_Best_Credit_Cards_to_Have\"><\/span>The Three Best Credit Cards to Have<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Choosing the right credit card can be a game-changer for your finances. Whether you&#8217;re looking to maximize rewards, build credit, or enjoy travel perks, having the best credit cards tailored to your lifestyle is crucial. The three best credit cards to have often include a top rewards card, a solid travel card, and a no-annual-fee card for everyday spending. These cards cover multiple needs\u2014offering flexibility, excellent benefits, and cost-effectiveness. Let&#8217;s explore the leading options trusted by American consumers and financial experts alike.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Top_Three_Credit_Cards_to_Consider\"><\/span>Top Three Credit Cards to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Chase_Sapphire_Preferred%C2%AE_Card-2\"><\/span>1. Chase Sapphire Preferred\u00ae Card<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why it\u2019s great:<\/strong> Ideal for travelers and rewards seekers, this card offers a generous sign-up bonus, 2X points on travel and dining, plus flexible redemption options. It provides excellent travel protections to ensure peace of mind.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Citi%C2%AE_Double_Cash_Card-2\"><\/span>2. Citi\u00ae Double Cash Card<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why it\u2019s great:<\/strong> Perfect for cash-back enthusiasts, this card offers 2% cash back\u20141% when you buy and 1% when you pay off purchases. With no annual fee, it\u2019s a fantastic everyday card for straightforward rewards.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Discover_it%C2%AE_Secured_Credit_Card\"><\/span>3. Discover it\u00ae Secured Credit Card<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why it\u2019s great:<\/strong> The best secured card for building or rebuilding credit. It has no annual fee and gives 2% cash back on up to $1,000 in combined gas and restaurant purchases each quarter, plus 1% on all other purchases.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_makes_a_credit_card_one_of_the_%E2%80%9Cbest%E2%80%9D_to_have\"><\/span>What makes a credit card one of the &#8220;best&#8221; to have?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Best credit cards<\/em> offer a mix of high rewards, useful benefits, low fees, and excellent customer service, tailored to your spending habits.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_it_better_to_have_multiple_credit_cards\"><\/span>Is it better to have multiple credit cards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, having multiple cards helps spread out expenses, maximize rewards categories, and improve your credit utilization ratio.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_credit_card_is_best_for_travel_rewards\"><\/span>Which credit card is best for travel rewards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The <strong>Chase Sapphire Preferred\u00ae Card<\/strong> is widely regarded as one of the best for travel rewards due to its flexible points and travel protections.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_get_rewards_with_a_no-annual-fee_credit_card\"><\/span>Can I get rewards with a no-annual-fee credit card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, cards like the <strong>Citi\u00ae Double Cash Card<\/strong> offer strong rewards without charging an annual fee.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_credit_card_should_I_get_to_build_credit\"><\/span>What credit card should I get to build credit?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The <strong>Discover it\u00ae Secured Credit Card<\/strong> is excellent for building or rebuilding credit safely with rewards included.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_sign-up_bonuses_worth_it\"><\/span>Are sign-up bonuses worth it?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sign-up bonuses can be valuable if you plan to meet the spending requirement without overspending.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_does_cash_back_work\"><\/span>How does cash back work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Cash back cards give a percentage of your spending back as rewards, either as statement credits or direct deposits.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_use_rewards_points_for_things_other_than_travel\"><\/span>Can I use rewards points for things other than travel?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, most cards allow redeeming points for gift cards, cash back, shopping, or experiences.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_annual_fees_worth_paying\"><\/span>Are annual fees worth paying?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If the rewards and benefits you earn exceed the annual fee cost, paying it makes sense.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_travel_protections_on_credit_cards_help_me\"><\/span>How do travel protections on credit cards help me?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>They cover trip cancellations, lost luggage, and provide rental car insurance, saving you money and stress.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_you_have_more_than_one_rewards_credit_card\"><\/span>Can you have more than one rewards credit card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Absolutely, this lets you optimize rewards by category, such as groceries on one and travel on another.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_credit_score_do_I_need_for_these_top_cards\"><\/span>What credit score do I need for these top cards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Generally, a good to excellent credit score (700+) is needed for premium rewards cards.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_it_better_to_pay_off_my_balance_in_full_each_month\"><\/span>Is it better to pay off my balance in full each month?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, paying in full avoids interest charges and helps build good credit behavior.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_I_choose_the_best_credit_card_for_me\"><\/span>How do I choose the best credit card for me?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Consider your spending habits, goals, and whether you prefer cash back, travel rewards, or credit building.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_rewards_cards_affect_my_credit_score\"><\/span>Do rewards cards affect my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Used responsibly, rewards cards can improve your credit score by lowering utilization and building payment history.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In today\u2019s financial landscape, having the right credit cards can significantly enhance your purchasing power and financial flexibility. The three best credit cards to have\u2014the <strong>Chase Sapphire Preferred\u00ae<\/strong>, <strong>Citi\u00ae Double Cash<\/strong>, and <strong>Discover it\u00ae Secured<\/strong>\u2014each serve distinct purposes. Whether you want to earn valuable travel points, reliable cash back with no fees, or build your credit safely, these cards cover essential needs for most American consumers. Choosing the right card depends on your lifestyle and financial goals. For example, frequent travelers will enjoy the perks and protections of the Chase Sapphire Preferred\u00ae, while those seeking straightforward cash back should consider the Citi Double Cash Card. For those new to credit or rebuilding, Discover it\u00ae Secured supports a positive credit history with rewards and no hidden costs. Ultimately, pairing two or three of these cards can offer the best mix of rewards, flexibility, and credit-building potential. Be sure to review terms carefully, track spending, and pay balances on time to make the most of your credit cards and boost your financial health.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Also_discover\"><\/span>Also discover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong><a href=\"https:\/\/finance.familiaeabiblia.com.br\/glossary\/\" target=\"_blank\" rel=\"noopener\">Glossary Finance<\/a><\/strong><\/li>\n<li><strong><a class=\"row-title\" href=\"https:\/\/finance.familiaeabiblia.com.br\/faq-finance\" target=\"_blank\" rel=\"noopener\" aria-label=\"\u201cFAQ \u2013 Frequently Asked Questions\u201d (Edit)\">FAQ \u2013 Frequently Asked Questions<\/a><\/strong><\/li>\n<li><a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/\">Credit Cards &#8211; GLOSSARY<\/a><\/li>\n<li><a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\">Credit Cards &#8211; FAQ<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What are the three best credit cards to have? What Are the Three Best Credit Cards to Have? Choosing the right credit card can feel overwhelming with so many options available in today\u2019s market. Whether you&#8217;re looking to build your credit score, earn valuable rewards, or save money on everyday purchases, the best credit cards &hellip;<\/p>\n","protected":false},"author":3,"featured_media":234,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":["post-2885","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-faq-credit-cards"],"_links":{"self":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/2885","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/comments?post=2885"}],"version-history":[{"count":1,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/2885\/revisions"}],"predecessor-version":[{"id":5118,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/2885\/revisions\/5118"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media\/234"}],"wp:attachment":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media?parent=2885"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/categories?post=2885"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/tags?post=2885"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}