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The 12 Best Credit Cards for Young Adults & Professionals [2024]

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Young adults and professionals fall into one of the largest target markets for credit card issuers and banks.

Thanks to a renewed emphasis on lifestyle, luxury, travel, and dining, banks have introduced strong credit cards perfect for millennials and Gen Z.

Since thousands of different credit cards are out there, we’re offering you a head start with the best credit card choices that might apply to you.

You can narrow it down to your favorite choice and avoid analysis paralysis! But before we do that, let’s walk you through our top selections.

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Best Credit Cards for Young Adults & Professionals

What To Look for in a Credit Card for Young Adults and Professionals

Young adults and professionals often put a solid chunk of their spending on food (including groceries and dining/food delivery), travel, streaming services, and entertainment.

And admittedly, there isn’t a credit card that rewards every single one of those categories, but you can get pretty darn close.

So the best credit cards for young adults and professionals ought to offer massive rewards on those above-mentioned purchases, a great credit card bonus offer, and boast travel and lifestyle benefits that set them apart from the rest of the crowd.

Let’s take a look at our best choices!

The 7 Best Personal Cards for Young Adults and Professionals

Personal Card Summary

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CardWelcome Bonus OfferAnnual FeeBest For
Chase Sapphire Preferred® CardEarn 75,000 points after spending $4,000 on purchases in the first 3 months.$95Best Overall Value Card
American Express® Gold CardEarn 60,000 points when you spend $6,000 on purchases in the first 6 months.$250 (rates & fees)Best for Earning Points & Statement Credits
The Platinum Card® from American ExpressEarn 80,000 points after spending $8,000 on purchases in the first 6 months.$695 (rates & fees)Best for Travel Perks & Lounge Access
Chase Sapphire Reserve®Earn 75,000 points after spending $4,000 on purchases in the first 3 months.$550Best for Domestic Travel
Capital One Venture X Rewards Credit Card Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.$395 (rates & fees)Best Premium Capital One Card
Citi Strata Premier℠ CardEarn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com$95Best Mid-Tier Card for Earning Points
Capital One Venture Rewards Credit Card (rates & fees)Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.$95 (rates & fees)Best Mid-Tier Capital One Card

Chase Sapphire Preferred Card (Best Overall Value Card)

Chase Sapphire Preferred® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth over $900 when redeemed through Chase Travel℠.
75,000 points
$1,500
$95
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros
  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
Cons
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase TravelSM.
  • Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM. For example, 75,000 points are worth $937.50 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Preferred card is our top choice; this excellent credit card is the best beginner rewards credit card.

It generally offers a superb welcome bonus offer, and to make things better, you will earn some of the most solid rewards out there:

  • 5x points on all travel booked through the Chase Travel portal and Lyft purchases (including bikes and scooters) through March 31, 2025
  • 3x points on dining, select streaming services, and online groceries
  • 2x points on all other travel purchases
  • 1x points on all other purchases

In addition, enjoy a 10% anniversary rewards bonus every year on all your purchases! With this card, you’ll receive a complimentary 1-year DoorDash DashPass subscription if activated by December 31, 2024.

Plus, you’ll receive an annual credit of up to $50 towards hotel stays booked via the Chase Travel portal.

One of the most valuable characteristics of the Chase Sapphire Preferred card is its impeccable travel insuranceprimary car rental coverage, trip cancellation and interruption coverage, trip delay insurance, baggage delay coverage, lost luggage coverage, travel accident insurance, and so much more are included with your card!

Lastly, the card is rounded out with purchase protection, extended warranty, and no foreign transaction fees.

Amex Gold Card (Best Credit Cards for Rewards)

BEST FOR DINING
American Express® Gold CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros
  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Gold card has been solidified as one of our favorite cards out there, and it’s certainly one of our top picks for young adults and professionals.

In addition to a phenomenal welcome offer, the Amex Gold card boasts some incredible bonus categories:

  • 4x points at restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets, up to $25,000 in purchases per calendar year (1x points after that)
  • 3x points on flights purchased directly with the airline or at AmexTravel.com
  • 1x points on all other purchases

Young professionals and adults spent a large chunk of their money on restaurants, groceries, and travel, which makes this card an awesome choice. And by earning 4x points, you’re getting a return on spend of 8.8% with a valuation of 2.2 cents per point!

You’ll also get:

  • Up to $120 in Uber Cash for Uber Eats orders or Uber rides in the U.S. ($10 per month)
  • Up to $120 dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations ($10 per month; enrollment required)

As if these perks weren’t enough, you’ll also get access to Amex’s The Hotel Collection, offering you up to $100 in property credit and a room upgrade (subject to availability) on qualifying stays of at least 2 nights at eligible properties.

Lastly, the Amex Gold card will give you access to Amex Offers (enrollment required) and no foreign transaction fees (rates & fees).

Amex Platinum Card (Best for Travel Perks & Lounge Access)

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros
  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Cons
  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card is the top card in the world for luxury travel perks, but it’s also perhaps the most well-known card in the world, too.

And for many young adults, it’s the perfect card option for optimizing lifestyle and travel benefits.

First, you’ll earn a great welcome bonus upon meeting the spending criteria. Plus, you’ll earn 5x Membership Rewards points on flights purchased directly with the airline or via AmexTravel.com (up to $500,000 per calendar year), plus 5x points on prepaid hotels booked via AmexTravel.com. You’ll earn 1x points on all other purchases. So depending on whether you’re earning 5x or 1x points, you could get a return on spend of 11% or 2.2%!

The Amex Platinum card is laden with other travel benefits, such as:

Not only that, but the travel and lifestyle perks you get are pretty awesome, too, with $1,000+ in statement credits (upon enrollment), including up to $200 airline fee credit, up to $200 prepaid hotel credit, up to $189 CLEAR Plus credit, up to $200 in Uber Cash, and up to $240 in digital entertainment credits.

Cardholders also receive access to Amex Offers (upon enrollment), no foreign transaction fees (rates & fees), and no preset spending limit.*

Chase Sapphire Reserve Card (Best for Domestic Travel)

Chase Sapphire Reserve®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth $1,125 when redeemed through Chase Travel℠.
75,000 points
$1,500
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros
  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Cons
  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase TravelSM.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase TravelSM. For example, 75,000 points are worth $1125 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC
Financial Snapshot
  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: $0
Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card has a lot going for it. It’s essentially the ultra-premium version of the Chase Sapphire Preferred card above.

The Chase Sapphire Reserve card allows you to earn up to 10x Ultimate Rewards points per $1 spent:

  • 10x points on car rentals, hotels, and dining booked via the Chase Travel portal and Lyft purchases (through March 31, 2025)
  • 5x points on airfare booked via the Chase Travel portal
  • 3x points on all dining and travel purchases
  • 1x Ultimate Rewards point on all other purchases

You’ll also get up to $300 in travel credits every cardmember anniversary year. Here are a few of its other perks:

The Chase Sapphire Reserve card also includes the best travel insurance available on a credit card, including primary car rental insurance, trip interruption and cancellation insurance, trip delay, lost luggage, baggage delay, roadside assistance, emergency evacuation and transportation, emergency medical and dental, travel accident, and travel and emergency assistance coverage.

Capital One Venture X Card (Best Premium Capital One Card)

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Learn More(at Capital One's secure site)
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros
  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
Cons
  • $395 annual fee (rates & fees)
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Financial Snapshot
  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

 

The Capital One Venture X card is Capital One’s ultra-premium credit card best suited for those looking to maximize their travel experiences and rewards.

There’s a substantial welcome offer to help catapult your rewards. Also, you can expect to earn up to 10x Capital One miles on purchases:

  • 10x miles on hotels and rental cars booked through Capital One Travel
  • 5x miles on flights booked through Capital One Travel
  • 2x miles on other purchases

Every year, you’ll enjoy an anniversary bonus of 10,000 Capital One miles and a $300 credit for Capital One Travel.

Beyond that, this card uniquely offers access to Capital One Lounges, Plaza Premium Lounge, Priority Pass lounges, complimentary Hertz Gold Plus Rewards President’s Circle status, and a Global Entry or TSA PreCheck application fee credit.

This impressive credit card has a suite of travel insurance policies, cell phone protection, no foreign transaction fees (rates & fees), and up to 4 authorized users for no additional annual fees (rates & fees). Lastly, you’ll enjoy purchase protection and extended warranty.

Hot Tip:

Authorized Capital One Venture X card users get incredible perks, like full airport lounge access, Hertz President’s Circle status, cell phone insurance, and no foreign transaction fees.

Citi Strata Premier Card (Best Mid-Tier Card for Earning Points)

Citi Premier® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

*The information regarding the Citi Premier card has expired and the card is no longer open to applicants.

*The information regarding the Citi Premier card has expired and the card is no longer open to applicants.
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
60,000 points
$960
$95
21.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Citi Premier® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!

Pros
  • 3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
  • Access to Citi transfer partners
  • Annual hotel credit
Cons
    • $95 annual fee
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 ThankYou® Points are redeemable for $600 in gift cards redeemable for $600 in gift cards or travel rewards at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Financial Snapshot
  • APR: 21.24% - 29.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

Citi ThankYou Rewards

The Citi Strata Premier card is one of the best out there for diverse spending categories and excellent all-around rewards.

Currently, the Citi Strata Premier card offers a fantastic welcome offer, plus this long list of bonus categories:

  • 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
  • 3x points on air travel, restaurants, gas stations, EV charging stations, hotels, and supermarkets
  • 1x points on all other purchases

Being able to earn 3x points on all of these categories is unique to this credit card only — that’s not all, though, because here are the other perks:

  • Up to $100 in annual hotel savings when you book a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com or 800-THANKYOU (once per calendar year)
  • Access to Citi Entertainment and Citi Concierge
  • Purchase protection, extended warranty

You’ll notice that this card has no travel insurance coverage, so you’d generally only want to keep this card for its vast rewards structure.

Capital One Venture Card (Best Credit Card for Online Shopping)

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros
  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
Cons
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
Financial Snapshot
  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

The Capital One Venture card is a terrific mid-tier card just a step below the Capital One Venture X card. Currently, it also has a large welcome offer. This card earns up to 5x Capital One miles per $1 spent:

  • 5x miles on hotels and rental cars booked through Capital One Travel
  • 2x miles on other purchases

Every year, you’re allowed a Global Entry or TSA PreCheck application fee credit. Use the extended warranty and access to Capital One Dining and Capital One Entertainment.

You won’t be on the hook for foreign transaction fees or additional annual fees for authorized users (rates & fees).

Best Credit Card for Young Adults With No Credit

If you’re in the market for your first credit card and haven’t started building your credit score yet, you might find it difficult to be approved for some of our favorite card selections. That said, everyone has to start somewhere, and the sooner you start improving your credit score, the sooner you’ll be able to take advantage of some of the best credit cards.

Given that, you’ll want to start with one of the best first credit cards and be sure to pay your card on time and in full each month, as doing so can help your credit score rise quickly.

Best Credit Cards for Young Adults With Fair Credit

If you’ve had a credit card before, but your score is less than desirable, there are still options for the best credit cards for bad credit. Many of these card options are secured cards. While they require an upfront refundable security deposit, they can help you rebuild your credit history without being charged a high annual fee or excessive servicing fees.

The 5 Best Business Cards for Young Adults and Professionals

If you’re a young adult or professional running your own business or have a side hustle, you’ll want to ensure you’re using the best business cards. Here are our favorites!

Business Card Summary

SCROLL FOR MORE
CardWelcome Bonus OfferAnnual FeeBest For
American Express® Business Gold CardEarn 70,000 points after you spend $10,000 on purchases in the first 3 months.$375 (rates & fees)Best Amex Business Card for Earning Points
Ink Business Preferred® Credit CardNEW OFFER: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months.$95Best Chase Business Card
Ink Business Cash® Credit CardEarn $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months.$0Best Business Card for Office Supply Stores and Utilities
Ink Business Unlimited® Credit CardEarn $750 cash back after spending $6,000 in the first 3 months.$0Best Chase Business Card for Everyday Spend
The Business Platinum Card® from American ExpressELEVATED OFFER: Earn 150,000 points after spending $20,000 in eligible purchases within the first 3 months.$695 (rates & fees)Best Business Card for Premium Perks

Amex Business Gold Card (Best Amex Business Card for Earning Points)

BEST FOR BONUSES
American Express® Business Gold CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex's secure site)
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
70,000 points
$1,540
$375
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros
  • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
    • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
    • NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
  • 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
  • Access to Amex’s The Hotel Collection
Cons
  • $375 annual fee (rates and fees)
  • No elite travel benefits like airport lounge access or elite status
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply
Financial Snapshot
  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Gold card is similar to the Amex Gold card in that you enjoy some incredible rewards categories without diving deep into those luxury travel perks that the ultra-premium cards offer.

The welcome bonus is a great way to give yourself a head start on your point stash.

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

  • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
  • NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online, TV, radio)

That means you can earn up to 600,000 Membership Rewards points every calendar year from the 4x points structure before dropping to the standard 1x points structure.

Earning 4x points equals a return on spending of 8.8%, which is incredible. You won’t need to select any bonus categories, as Amex does it automatically.

This card offers no preset spending limit,* no foreign transaction fees (rates & fees), and up to 99 employee cards with no annual fee after the first employee card with a $50 annual fee (rates & fees).

Ink Business Preferred Card (Best Chase Business Card)

NEW OFFER
Ink Business Preferred® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel
100,000 points
$2,000
$95
21.24%-26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros
  • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
  • Cell phone protection
  • Purchase protection
Cons
    • No elite travel benefits like airport lounge access
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC
Financial Snapshot
  • APR: 21.24%-26.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

Our runner-up credit card is the famous Ink Business Preferred card, offering a solid welcome bonus and some of the best bonus categories for earning Ultimate Rewards points.

Also, you will earn 3x Ultimate Rewards points on the following business categories, up to $150,000 in combined purchases per anniversary year:

  • Ads purchased with search engines or social media sites
  • Internet, cable, and phone services
  • Shipping expenses
  • Travel

You’ll earn 1x Ultimate Rewards points on all other purchases, making your return on spending equal to 6% or 2% if earning 3x and 1x points, respectively. Lastly, through March 31, 2025, you will earn 5x Ultimate Rewards points on Lyft purchases.

Plus, you’ll get top-notch cell phone insurance benefits, purchase protection, and extended warranty.

Remember the card’s noteworthy travel coverages, including primary rental car coverage when renting for business and trip cancellation and interruption insurance. You also won’t pay any foreign transaction or employee card fees.

Ink Business Cash Card (Best Business Card for Office Supply Stores and Utilities)

Ink Business Cash® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750
Up to $750
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros
  • Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
  • Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
  • 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
Cons
  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
Financial Snapshot
  • APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

The Ink Business Cash card boasts a fantastic welcome bonus offer plus some unique reward structures.

You’ll earn up to 5% cash-back at office supply stores and on internet, cable, and phone services (on the first $25,000 in combined purchases each account anniversary year), as well as 2% cash-back at gas stations and restaurants (on the first $25,000 in combined purchases each account anniversary year, separate from the 5% cash-back categories). Earn 1% cash back on all other purchases after achieving the two $25,000 bonus ceilings.

You can get 5% cash back on Lyft purchases through March 31, 2025.

You can also take advantage of the 0% introductory APR. Regular APR, as indicated in the table above, applies after the introductory period.

And although these rewards aren’t Ultimate Rewards points, if you have a Chase Sapphire Preferred card, Ink Business Preferred card, or Chase Sapphire Reserve card, you can convert your 5%, 2%, and 1% cash-back to 5x, 2x, and 1x Ultimate Rewards points, netting you a return on spend of 10%, 4%, or 2%, respectively.

This credit card will give you primary rental car coverage, travel insurance, and purchase protection.

Ink Business Unlimited Card (Best Chase Business Card for Everyday Spend)

Ink Business Unlimited® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros
  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Cons
    • 3% foreign transaction fee
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
Financial Snapshot
  • APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

The Ink Business Unlimited card is another amazing business credit card from Chase.

It has a great welcome bonus and a straightforward rewards structure. You’ll get a flat 1.5% cash-back on all your business purchases without any caps or limits to earning, plus 5% cash-back on Lyft purchases through March 31, 2025.

As with the Ink Business Cash card, if you also have a Chase Sapphire Preferred card, Ink Business Preferred card, or Chase Sapphire Reserve card, you can convert your cash-back to Ultimate Rewards points to get a return on spending of 3% on your purchases!

Plus, this card offers a 0% introductory APR perk (after the introductory period, the regular APR shown in the table above applies), primary rental car insurance when renting for a business, purchase protection, extended warranty, and no-fee employee cards.

Amex Business Platinum Card (Best Business Card for Premium Perks)

150K OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points
$3,300
$695
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros
  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Cons
  • High annual fee of $695 (rates & fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card rounds out our best business cards for young adults and professionals. If you want a card loaded to the max with perks, the Amex Business Platinum card must be in your wallet.

Earn 5x Membership Rewards points on flights and prepaid hotels booked at AmexTravel.com. Importantly, you’ll also earn 1.5x on eligible purchases in key business categories and on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year).

But the real kicker is the luxury perks, including access to the American Express Global Lounge Collection, the best lounge access of any card in the world.

Plus, you’ll get all kinds of other travel perks, like complimentary hotel and rental car elite status (upon enrollment), access to Fine Hotels + Resorts, a Global Entry or TSA PreCheck application fee credit, up to $200 airline fee credit (upon enrollment), a 35% rebate on select flights using Pay With Points (~1.52 cents per point in redemption value, up to 1,000,000 points back per calendar year), and more.

You’ll also get up to $189 CLEAR Plus credit, up to $400 in statement credits for U.S. purchases with Dell, up to $360 in Indeed credits, up to $150 in Adobe credits, and up to $120 in wireless credits.

The other ancillary perks surrounding this card include no preset spending limit,* no foreign transaction fees (rates & fees), purchase protection, extended warranty, cell phone insurance, and travel insurance protections.

Do Young Adults Need Credit Cards?

You technically do not need a credit card, as paying for all your expenses with your debit card is possible. However, we believe using a credit card responsibly can be a huge asset.

For starters, using a credit card responsibly can lead to a high credit score, which can land you better financing on expensive purchases like a car or a home. Depending on the loan terms, landing a better interest rate, thanks to your credit score, can save you thousands of dollars in interest payments over the life of your loan.

In addition to building and maintaining a solid credit score, you’ll also earn rewards that offer extra value on purchases you plan to make anyway. Depending on your card, these rewards can be redeemed for cash-back, flights, hotel stays, and more. If you opt for a debit card for your everyday purchases, you leave money on the table each time you swipe your card.

Lastly, credit cards offer far better consumer protections than debit cards do. You don’t want a card connected to your entire bank balance falling into the wrong hands. And credit cards can also offer purchase protection if an item you buy breaks, return protection for items past their return window, trip delay insurance, rental car insurance, and so much more.

What Are the Pros and Cons of Credit Cards for Young Adults?

Pros:

  • Rewards: Earn cash-back or travel rewards for every purchase you make, which can amount to considerable savings from month to month and year to year.
  • Build Credit: By using your card responsibly, you’ll be rewarded with a high credit score, saving you large sums of money on the big purchases in your life.
  • Consumer Protections: If someone makes a fraudulent purchase on your credit card, you are only liable for a maximum of $50, but often you don’t need to pay anything. When this happens to your debit card, your entire bank balance can be frozen for weeks while your bank sorts out the issue. Credit cards can offer great travel and purchase protections that help keep you covered when things go wrong.
  • Perks: Some credit cards offer perks like airport lounge access, elite hotel status, statement credits, merchant discounts, and more.

Cons:

  • Can Damage Your Credit: While credit cards can be great for building your credit, the opposite is true if you don’t use them responsibly.
  • Interest Fees: If you do not pay your statement balance in full each month, you can get hit with large interest fees. These make your purchases more expensive and completely negate the value of any rewards you’ve earned. Of course, the easy way around this is always to pay off your balance when your statement posts each month.

What Is the Easiest Credit Card To Get With No Credit?

This can depend on a variety of factors. Still, generally speaking, your best options would be a student credit card (if you are a student), a secured or starter credit card for the institution you already bank with, or even being added as an authorized user by your parent or guardian.

How Long Does Building Credit Take?

If you’ve never had a credit card before, it can take about 6 months to establish your credit history and about a year before your score is likely to be high enough to start taking advantage of better credit card options.

Of course, this assumes you pay your bill on time and in full each month. If it feels like we are belaboring this point, it is because these 2 factors alone, your payment history and credit utilization, make up 65% of your overall FICO credit score.

Credit Card Tips for Beginners

Here are a few tips to get you started on your credit journey.

  1. Set Up Autopay: This will help ensure you always pay your balance on time each month.
  2. Don’t Overspend: You must stick to your monthly budget to prevent yourself from getting behind on your financial goals or getting into credit card debt.
  3. Keep Your Credit Utilization Low: Ideally, you’ll want to keep your credit utilization below 30% of your total credit limit, as consistently charging more than that can adversely impact your score. If you have a low credit limit, one way to stay on top of this is to submit a payment every 2 weeks to prevent your balance from getting too high.
  4. Earn Rewards and Perks: If possible, holding a card that earns rewards and perks can be a huge benefit to you by earning points toward travel or cash-back, card protection, and more.
  5. Keep Your Card Open: If you no longer use a certain card, you might be tempted to cancel it, but this could be a mistake. If the card doesn’t charge an annual fee, then there is no harm in keeping it open. It is better for your credit score to keep it open, as this helps add to your overall age of accounts.

Final Thoughts

Many top credit cards from American Express, Chase, Capital One, and Citi are a great fit for young adults and professionals, particularly if you spend heavily on dining, streaming, and entertainment.

Using a credit card can enhance your financial journey if the rewards and benefits align with your spending habits — and you learn to use it responsibly. As you choose a credit card, consider your spending patterns, preferences, and what each card brings to the table.

*No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier.  Additional terms apply.

For the cell phone protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the extended warranty benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For rates and fees of the American Express® Gold Card, click here.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.

Frequently Asked Questions

What is the best credit card for a young professional?

The best personal credit cards for young professionals are the Amex Gold card, Chase Sapphire Preferred card, Amex Platinum card, Chase Sapphire Reserve card, Capital One Venture X card, Citi Premier card, and Capital One Venture card.

What is the best credit card for a 25-year-old?

The best rewards credit card for young adults is likely the Chase Sapphire Preferred card or the Amex Gold card.

What is the best credit card for someone just starting out?

The best beginner rewards credit card is the Chase Sapphire Preferred card.

What are the best business credit cards for young adults and professionals?

The best business cards for young adults and professionals are the Amex Business Gold card, Ink Business Preferred card, Ink Business Unlimited card, Ink Business Cash card, and Amex Business Platinum card.

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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