Top Credit Cards of December 2025

Whether you want rewards for daily spending, travel perks, or to build your credit, we have you covered. Here are the top credit cards for 2025.

How do credit cards work?

A credit card isn't just a magic piece of plastic that buys things—it's a short-term loan. Every time you swipe, you're borrowing money from your credit card company, with the promise to pay it back. Ideally, you pay off your balance in full each month to avoid interest charges altogether. But if you can't? Don't worry, you can still make monthly payments. Just know that carrying a balance means you'll start accruing interest based on the APR you agreed to when you got the card. While paying the minimum each month is an option, it can lead to more interest piling up over time, making it harder to pay off your balance in the long run.

Different types of credit cards

Not all credit cards are created equal. Just like there's a perfect coffee order for everyone, there's a card that fits your unique lifestyle and spending habits. Here are some of the most common types:

Rewards credit cards: Cashback, points, miles—you name it, rewards cards give you a little something extra every time you spend. Great for those who want to get more from their everyday purchases.
Travel credit cards: Designed for jet-setters, these cards offer rewards in miles or points you can redeem for flights, hotels, and other travel expenses. Some even come with perks like airport lounge access and priority boarding.
Balance transfer credit cards: Got high-interest debt? Balance transfer cards let you move that debt to a card with a temporary lower (or 0%) interest rate. It's like hitting the pause button on your interest payments while you work on getting debt-free.
Business credit cards: These cards are designed for business owners and freelancers, offering rewards and perks tailored to your business needs, like extra points on office supplies and travel expenses.

Learn more: 11 Different Types of Credit Cards

How to pick the best credit card for you

Choosing the right credit card can feel like dating. You've got to find the one that fits your needs, doesn't make you pay too much, and gives you the perks you deserve.

Rewards and benefits

Determine your spending habits: Identify where you spend most of your money to select a card that offers rewards in those areas.
Consider rewards types: Popular options include cash back, points, miles, and travel perks.
Evaluate additional benefits: Look for perks like travel insurance, purchase protection, or rental car insurance.

Interest rates

Compare APRs: Compare the annual percentage rates (APRs) charged on purchases and balance transfers.
Consider introductory offers: Some cards offer low introductory APRs for a limited time.
Understand penalty rates: Be aware of any penalty rates that may apply if you miss payments or violate card terms.

Fees

Annual fees: Assess whether the annual fee justifies the card's benefits.
Transaction fees: Check for foreign transaction fees if you travel frequently.
Late fees and overlimit fees: Understand the penalties for missed payments or exceeding your credit limit.

Credit limit

Estimate your needs: Consider your typical monthly spending to determine a suitable credit limit.
Avoid overspending: A high credit limit can tempt you to spend more than you can afford.

Credit requirements

Check your credit score: Understand your creditworthiness to determine which cards you qualify for.
Consider cards for building credit: If you have limited credit history, consider cards designed to help build credit.

Customer service

Read reviews: Research the card issuer's customer service reputation.
Consider accessibility: Look for easy access to customer support channels like phone, online chat, or in-person locations.

The right card for you is out there

Credit cards aren't one-size-fits-all. With the right one in your wallet, you could earn rewards, travel in style, or help build your credit. Take the time to figure out what matters most to you, and choose a card that delivers exactly that.