{"id":148006,"date":"2025-02-03T19:00:50","date_gmt":"2025-02-03T19:00:50","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/02\/03\/why-theres-no-such-thing-as-the-best-credit-card-the-points-guy\/"},"modified":"2025-02-03T19:00:50","modified_gmt":"2025-02-03T19:00:50","slug":"why-theres-no-such-thing-as-the-best-credit-card-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/02\/03\/why-theres-no-such-thing-as-the-best-credit-card-the-points-guy\/","title":{"rendered":"Why there&#8217;s no such thing as the &#8216;best&#8217; credit card &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>A common question we get here at TPG is, &#8220;What is the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best\/\" rel=\"noopener noreferrer\" target=\"_blank\">best credit card<\/a>?&#8221;<\/p>\n<p>And you might be here searching for an answer to that same question. If that&#8217;s the case, we can help by telling you that no one card is the &#8220;best.&#8221;<\/p>\n<p>The cards in this guide are valuable thanks to their different perks and ways to earn cash back and travel rewards; however, there isn&#8217;t a blanket card that is the perfect choice for everyone.<\/p>\n<p>Here&#8217;s how to decide which card is just right for you.<\/p>\n<p><a id=\"the-good-and-bad-news\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">The good and bad news<\/h2>\n<p>The good news is that this relieves the pressure to find the single best credit card among the myriad options available. Another plus is that you essentially get a customizable experience when choosing a credit card because you can select one based on your specific needs and spending habits.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Family-traveling-together-at-airport_toddler-holding-passport_-miniseries.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Family-traveling-together-at-airport_toddler-holding-passport_-miniseries.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Family-traveling-together-at-airport_toddler-holding-passport_-miniseries.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Family-traveling-together-at-airport_toddler-holding-passport_-miniseries.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Family-traveling-together-at-airport_toddler-holding-passport_-miniseries.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Family-traveling-together-at-airport_toddler-holding-passport_-miniseries.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Family-traveling-together-at-airport_toddler-holding-passport_-miniseries.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Family-traveling-together-at-airport_toddler-holding-passport_-miniseries.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Family-traveling-together-at-airport_toddler-holding-passport_-miniseries.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">MINISERIES\/GETTY IMAGES<\/figcaption><\/figure>\n<p>The bad news is that if you were hoping to simplify the search for the elusive best credit card overall, we can&#8217;t provide you with a straightforward answer because, well, a singular &#8216;best&#8217; card doesn&#8217;t really exist.<\/p>\n<p>Your financial goals, priorities and budget are factors to consider when finding the best credit card for your specific needs. Because of this, we recommend credit cards with varying annual fees, earning structures and benefits.<\/p>\n<p><a id=\"different-cards-for-different-habits\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Different cards for different habits<\/h2>\n<p>It&#8217;s easy to get caught up in this idea that a select number of cards \u2014 typically high annual fee cards such as <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-platinum-card-from-american-express\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">The Platinum Card\u00ae from American Express<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/apply\/the-platinum-card-from-american-express-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>) or the <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-reserve%e2%84%a0\/?pid=221211836&amp;tid=post\" rel=\"noopener noreferrer\" target=\"_blank\">Chase Sapphire Reserve\u00ae<\/a> \u2014 are better than their lower-annual-fee counterparts such as the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/capital-one-venture-rewards-credit-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Capital One Venture Rewards Credit Card<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/apply\/capital-one-venture-rewards-credit-card-rates-and-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>) or the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-double-cash-card-18-month-bt-offer\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Citi Double Cash\u00ae Card<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/apply\/citi-double-cash-card-rates-and-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>). In reality, however, that&#8217;s not the case.<\/p>\n<p>Ultimately, &#8220;the best credit card&#8221; for you depends on your current habits, priorities and needs.<\/p>\n<div class=\"&#10;        EmailSignUp_container__qYzYT&#10;        undefined&#10;        EmailSignUp_isLoading__i_qm0&#10;      \"><picture class=\"EmailSignUp_graphic__zgpFm\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<p>For example, a frequent traveler might love their Amex Platinum for its <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express-platinum-lounge-access\/\" rel=\"noopener noreferrer\" target=\"_blank\">unmatched lounge access<\/a> and other travel benefits, including <a href=\"https:\/\/thepointsguy.com\/guide\/amex-platinum-hotel-elite-status\/\" rel=\"noopener noreferrer\" target=\"_blank\">elite status with Hilton and Marriott<\/a> (enrollment required; terms apply).<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">JLCO-JULIA AMARAL\/GETTY IMAGES<\/figcaption><\/figure>\n<p>But that same person may reach more for their <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/blue-cash-preferred-card-from-american-express\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Blue Cash Preferred\u00ae Card from American Express<\/a><\/span> to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/grocery\/\" rel=\"noopener noreferrer\" target=\"_blank\">save money on groceries<\/a> (at U.S. supermarkets) and to earn cash back on select streaming services in the U.S. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/p>\n<p>Even those with similar hobbies and habits may be divided on which card is the best. One frequent traveler may argue that the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/capital-one-venture-x-rewards-credit-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Capital One Venture X Rewards Credit Card<\/a><\/span> is the best because of its lounge access and fixed earning rate, while another will argue that the <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-preferred-card\/?pid=22125056&amp;tid=post\" rel=\"noopener\" target=\"_blank\">Chase Sapphire Preferred\u00ae Card<\/a> is the best because they prefer its transfer partners and much lower annual fee.<\/p>\n<p><a id=\"find-the-right-card-not-the-best-card\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Find the &#8216;right&#8217; card, not the &#8216;best&#8217; card<\/h2>\n<p>Instead of looking for the best credit card, focus on finding the <em>right<\/em> credit card for you. You can start by asking yourself some simple questions:<\/p>\n<h3>What&#8217;s your credit score?<\/h3>\n<p>This is a good base question because it will help establish what cards you&#8217;ll most likely be approved for. If you&#8217;re focused on building your credit, you&#8217;ll want to start with a card that&#8217;s <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-credit-cards-building-credit\/\" rel=\"noopener\" target=\"_blank\">good for beginners<\/a>.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Photo-of-person-holding-smart-phone-with-credit-score_SolStock.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Photo-of-person-holding-smart-phone-with-credit-score_SolStock.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Photo-of-person-holding-smart-phone-with-credit-score_SolStock.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Photo-of-person-holding-smart-phone-with-credit-score_SolStock.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Photo-of-person-holding-smart-phone-with-credit-score_SolStock.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Photo-of-person-holding-smart-phone-with-credit-score_SolStock.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Photo-of-person-holding-smart-phone-with-credit-score_SolStock.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Photo-of-person-holding-smart-phone-with-credit-score_SolStock.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/04\/Photo-of-person-holding-smart-phone-with-credit-score_SolStock.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">SOLSTOCK\/GETTY IMAGES<\/figcaption><\/figure>\n<p>But if you have established credit and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/cards-that-require-excellent-credit-scores\/\" rel=\"noopener\" target=\"_blank\">excellent credit score<\/a>, you&#8217;re more likely to be approved for premium rewards cards.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/check-credit-score-for-free\/\" rel=\"noopener\" target=\"_blank\">How to check your credit score for free<\/a><\/strong><\/p>\n<h3>What are your spending habits?<\/h3>\n<p>Your spending habits will inform which bonus categories you look for in your cards.<\/p>\n<p>Do you spend a lot on <a href=\"https:\/\/thepointsguy.com\/credit-cards\/maximizing-bonus-categories-grocery-stores\/\" rel=\"noopener noreferrer\" target=\"_blank\">groceries<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/dining\/\" rel=\"noopener noreferrer\" target=\"_blank\">dining<\/a> at restaurants? If yes, then a card like the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-american-express-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">American Express\u00ae Gold Card<\/a><\/span> could be the right card for you.<\/p>\n<p>It earns 4 points per dollar on dining at restaurants on the first $50,000 in purchases per calendar year (then 1 point per dollar spent after) and on the first $25,000 spent each calendar year at U.S. supermarkets (then 1 point per dollar spent after).<\/p>\n<p>Similarly, if you spend a lot of your budget on items that don&#8217;t fall into most card bonus categories, you&#8217;ll do better with a card that has a solid fixed earning rate, like the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/capital-one-venture-rewards-credit-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Capital One Venture Rewards Card<\/a><\/span> or <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-freedom-unlimited%e2%84%a0\/?pid=221211281&amp;tid=post\" rel=\"noopener\" target=\"_blank\">Chase Freedom Unlimited\u00ae<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-travel-cards-bonus-category\/\" rel=\"noopener\" target=\"_blank\">The best credit cards for each bonus category<\/a><\/strong><\/p>\n<h3>What are you looking to get out of your card?<\/h3>\n<p>Do you want to earn rewards like free flights, seat upgrades and hotel stays? If so, a card that earns <a href=\"https:\/\/thepointsguy.com\/guide\/a-guide-to-earning-transferable-points\/\" rel=\"noopener noreferrer\" target=\"_blank\">transferable points<\/a> is a great starting point.<\/p>\n<p>Alternatively, if you&#8217;re loyal to a hotel chain, a cobranded card with that hotel can unlock perks like elite status and free nights that you&#8217;ll appreciate.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/20231019_First-Look-Global-Ambassador-Hotel_BBlaine_19.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/20231019_First-Look-Global-Ambassador-Hotel_BBlaine_19.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/20231019_First-Look-Global-Ambassador-Hotel_BBlaine_19.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/20231019_First-Look-Global-Ambassador-Hotel_BBlaine_19.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/20231019_First-Look-Global-Ambassador-Hotel_BBlaine_19.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/20231019_First-Look-Global-Ambassador-Hotel_BBlaine_19.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/20231019_First-Look-Global-Ambassador-Hotel_BBlaine_19.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/20231019_First-Look-Global-Ambassador-Hotel_BBlaine_19.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/20231019_First-Look-Global-Ambassador-Hotel_BBlaine_19.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">BECKY BLAINE\/THE POINTS GUY<\/figcaption><\/figure>\n<p>Or you might be focused on saving money on <a href=\"https:\/\/thepointsguy.com\/credit-cards\/everyday-spending\/\" rel=\"noopener noreferrer\" target=\"_blank\">everyday expenses<\/a>. If that is the case, there are a ton of <a href=\"https:\/\/thepointsguy.com\/credit-cards\/cash-back\/\" rel=\"noopener noreferrer\" target=\"_blank\">cash-back credit cards<\/a> out there that can help you accomplish just that.<\/p>\n<p>Once you&#8217;ve gone through these baseline questions, you can start digging into things like which rewards program is best suited to your travel goals, what your annual fee budget is, which sign-up bonuses you want to hit and more.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-to-choose-a-credit-card\/\" rel=\"noopener\" target=\"_blank\">How to choose the best credit card for you<\/a><\/strong><\/p>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>There&#8217;s no one &#8220;best&#8221; credit card for everyone. To determine which card is the best fit for you, consider factors such as your credit score, financial priorities and goals and the types of credit card perks you.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/travel\/\" rel=\"noopener\" target=\"_blank\">The best travel rewards cards<\/a><\/strong><\/p>\n<p><em>For rates and fees of the Amex Gold, click <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-gold-card-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">here<\/a>.<\/em><br \/><em>For rates and fees of the Amex Platinum, click <a href=\"https:\/\/thepointsguy.com\/apply\/the-platinum-card-from-american-express-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">here<\/a>.<\/em><br \/><em>For rates and fees of the Blue Cash preferred, click <a href=\"https:\/\/thepointsguy.com\/apply\/blue-cash-preferred-card-from-american-express-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">here<\/a>.<\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/news\/no-such-thing-best-credit-card\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A common question we get here at TPG is, &#8220;What is the best credit card?&#8221; And you might be here searching for an answer to that same question. If that&#8217;s the case, we can help by telling you that no one card is the &#8220;best.&#8221; The cards in this guide are valuable thanks to their [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":148007,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-148006","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/148006","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=148006"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/148006\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/148007"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=148006"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=148006"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=148006"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}