Many different credit cards are available, and choosing the right credit card is critical in this new world of online transactions.

The benefits of cashless transactions are valuable with the onset of COVID-19. The pandemic caused a shift in the way people transacted. People are increasingly using cashless and contactless payment options such as e-wallets and credit cards for their security and convenience.

There is no specific credit card that is best for everyone. As a result, we have chosen the best credit cards in a way that will be useful to the broadest range of users. We emphasized the most acceptable cards for various situations instead of picking the “best credit card.”

Let us take a look at our top 5 picks:

1.) American Express Gold Credit Card


Many consider this the ideal credit card for dining out as it offers a 120USD plus GrubHub credit every time you eat out, plus 4x points accredited on restaurant purchases. It also offers 4x points on supermarket purchases. Users making any food-related purchases will find this card perfect for their needs. This card offers 3x points for every travel purchase if you also love to travel. Once you sign up, it provides an introductory 60,000 membership reward points if you spend USD3000 within the first three months upon opening an account. This car has an annual membership fee of USD250.

2.) Citi Double Cash Credit Card


This card is suitable for beginners, and overall many consider it one of the best for its straightforward and easy-to-use function. It gives a 2% cashback on all your purchases. It has a 0% annual percentage rate (APR) for the first 18 months on balance transfers, after which you get a 14.24% – 24.24% APR.

For its balance transfer fee, an introduction of 3% for each transfer with a minimum of 5% is applicable for the first four months of opening your account. After the fourth month, a 5% fee will apply. This card has no annual fees and no foreign transaction fees.

3.) Chase Sapphire Preferred Credit Card


This card is best for those who love to eat out and travel, as it offers 60,000 bonus points as an introductory offer if you spend at least 4,000 in the first three months upon opening your account. You can also earn 3x points for dining or takeout and 5x points if you book and travel thru their website. If you have a preferred travel agency, you still get 2x points for every travel when you use this card. This card has an annual fee of USD95 annually.

4.) Amazon Prime Rewards Visa Credit Card


The Amazon Prime Rewards card is ideal for those who love to purchase using Amazon. Ir offers a 10% back on select products from Amazon and 5% back on other selected partner online sellers. A 2% back on gas, drugstores and when you dine out and a 1% back on any additional purchase. The great thing about this card is that it offers no annual fee and no foreign transaction fee, plus a USD100 signing bonus once approved by Amazon.

5.) Chase Freedom Unlimited Credit Card


You can own a Chase Freedom Unlimited card with no annual fee. As soon as you sign up and get approved, you get a USD200 sign-up bonus as long as you spend USD500 within the first three months of signing. It offers a 5% cashback on groceries and 35 cashback if you dine out, purchase from drugstores and 1.5% Cashback on any other purchase. However, if you purchase something overseas, a foreign transaction fee of 3% will apply.