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Only Clyde Finds the Best Card
Based on How You Spend.

Top Rated Credit Cards for September 2021

Compare top rated credit card offers from our partners. Apply securely online by clicking APPLY NOW.
Sign up for a free account and Clyde’s AI will estimate the first year rewards value you will receive for each card. Estimates are personalized and based on your opt-in transaction data securely shared through Plaid.

Chase Sapphire Preferred® Card

Requires sign in
Welcome Bonus
100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Rewards Rate
5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases
Ultimate Rewards
Get 25% more value when you redeem for travel through Chase Ultimate Rewards
See Full Details

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card
On Citi's secure site
Requires sign in
Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Welcome Bonus
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Intro APR
0% Intro APR on Balance Transfers and Purchases for 15 months.
See Full Details

Chase Freedom Unlimited®

Chase Freedom Unlimited®
On Chase's secure site
Requires sign in
Rewards Rate
Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
Welcome Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Intro Purchase APR
0% for 15 months on Purchases
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Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer
On Citi's secure site
Requires sign in
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro Balance Transfer APR
0% for 18 months on Balance Transfers
Extra Benefits
No annual fee and free access to Citi Entertainment®
See Full Details

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express
On American Express's secure site
Rates & Fees
Rewards Rate
3% Cash back on your first $6,000 of eligible purchases per year at US supermarkets, 2% Cash Back at Gas Stations, 1% Cash Back on all other purchases
Welcome Offer
Earn up to $250 in statement credits. Terms apply.
0% Intro Purchase APR
0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
See Full Details

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card
On Citi's secure site
Requires sign in
0% Intro Balance Transfer APR
0% Intro APR for 21 months on balance transfers from date of first transfer
0% Intro Purchase APR
0% Intro APR for 12 months on purchases form date of account opening
Regular Purchase APR
13.74% - 23.74% (Variable)
See Full Details

Clyde’s Criteria for a Top Rated Credit Card

A strong credit card is a must to maximize personal finance. But with all the different rewards systems and quirks, how do you select the best card for you? When it comes to credit cards, there is no one size fits all policy. Depending on your financial history and spending patterns, there will be certain cards that just make more sense to apply for. The cards above are a list of some of the most well known and sought after cards in the industry. While they are all unique in their own ways, they do share features that make them an ideal choice for many.

Clyde’s Free Personalized Credit Card Recommendations

To get a truly personalized credit card recommendation, you can sign up for a free Clyde account. Simply securely link your bank and credit card translation data via Plaid (the same system used by Venmo and Acorns), Clyde’s AI will calculate the rewards value you would earn in the first year after opening a card. We’ve done the hard work of calculating rewards value, redemption rates, welcome bonuses and more. When you securely provide your transaction data, Clyde’s AI calculates your annual value for hundreds of credit cards. You can then compare cards by a quantified value estimate -- like: $742 vs $489. It takes one minute and you’ll be sure you’re getting the best card for how you spend.

One of the most important aspects of a credit card is its rewards system, which most of the above cards offer. There are many forms of rewards (cash back, travel, dining etc.). You also have the option to choose between tiered and fixed reward cards. Therefore, it is critical to understand what type of purchases you most often make so that you can make the most of your purchases. If you don’t want to do all this work manually yourself, you can simply make a free Clyde account.

If You Are New To Credit

If you are just getting started with credit cards, it’s likely you will want to focus primarily on building your credit. If this sounds like you, then consider credit cards for Limited / No Credit or Student Cards if you’re still in school. You can still start earning rewards with these cards.

The Balance Between Low APR with Rewards

Another motivation for seeking out a card is to save on interest. This is common for those who are looking to make a big purchase or want to conduct a balance transfer without paying a higher interest rate. In such instances, it is best to look out for cards with a 0% APR introductory offer or balance transfer cards. Low interest should be considered hand-in-hand with rewards rates since a stronger rewards program often comes with higher APR.

Are Annual Fees Worth It?

Annual fee is an important component of many cards. Some reward cards have no annual fees and others carry annual fees but may still be justified due to the benefits they offer. It’s not necessarily the card with no fees that will be your most rewarding. Clyde’s AI balances these factors when it makes the recommendation to you. If you are researching, note your spending patterns -- particularly how much you spend on your card each year -- as it will most greatly impact if paying a fee is worth it. We recommend looking into cards both with and without annual fees.

Considerations

Apart from the various benefits offered by credit cards, you should also consider how they can help you in the future. For instance, if you are a student and are looking for a student card, you should ideally look for one that will help you upgrade to a better commercial card once you graduate.

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