
My top credit card recommendations
(Updated March 2023)
Over the years I have opened up and tested out over 34 credit cards to find the best ones out there.
These are my current favorites and what Linda and I are currently using.
One last thing before we dive in… don’t forget our 3 rules for credit cards.

Chase Sapphire Preferred
Every time I find myself at dinner with 6 other financial experts, normally 4 of them pull out this card. It is my favorite card of all time.
All that to say, if you only want one card that pays fantastic travel rewards (or cashback if you prefer), this is the one I would recommend.
You can read my review of the Chase Sapphire Preferred here.

Chase Ink Business Preferred
I wrote about how this is the only card I use for my business here, so I won”t go into all the details again.
But, this card is insane in that it pays 3x points on the first $150,000 spent on purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines.
So if you have a business where you buy online ads, definitely get this one. If not, it is still a really good business card, but the Chase Business Unlimited might probably be a better bet.
Other Recommendations
Since our primary focus has been earning rewards to maximize our free travel, the cards above have been the best for us. But if you have different goals, these cards might be more beneficial for you.
Want cash back on your purchases?
The Wells Fargo Active Cash card is one of the current best paying 2% cashback with a $0 annual fee.
I also really like Chase Freedom Unlimited as a cashback card as well. It pays an additional 1.5% on everything (up to $20,000 within the first year) with a $0 annual fee.
Need a card with a 0% interest rate?
Many cards will offer a 15 month (or more) introductory rate of 0% on balance transfers. If you are paying 25% on your current card and can transfer that balance to a card with a 0% interest rate for 15 months you can save quite a bit.
Here is a list of the current best offers for 0% cards to do this with.
Trying to build credit history?
Credit cards are not the only way to build a credit history, but they are probably the easiest way if you use them responsibly.
Here are the current best card options for those looking to build their credit.
DISCLAIMER: I’m a Certified Educator in Personal Finance (CEPF®), but am I not your financial advisor, so do your own research! This article, the topics discussed, and ideas presented are Bob’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial advice. Always do your own due diligence. Any references to interest rates, promotions, and websites are subject to change without notice. We do our best to keep the information current, but things are always changing so it may be different now than when it was first published. Additionally, all the pages on SeedTime help us pay the bills by using affiliate relationships with Amazon, Google, eBay and others but our opinions are NEVER for sale. Find out more here.