You’re a young professional. You’ve got a “real” job. You have your own apartment. And now you want a credit card that rewards you for your spending.
For a more comprehensive list, see our best credit card bonuses here.
We have created a series of guides for the best credit cards for points and miles by spending category. In this guide, we’ll cover the best credit cards that fit well with the young professional lifestyle.
When using a credit card, remember to pay your balance in full and on time each month.
For more credit card tips, click here.
Best Credit Cards For Young Professionals
When selecting the best credit cards for young professionals, we considered a variety of factors, including:
- Annual fee
- Sign-up bonus
- Rewards rate
- Travel benefits
- Other benefits
- Transfer partners
With that in mind, here are the credit cards that made the cut:
|CREDIT CARD||BONUS CATEGORIES||ANNUAL FEE|
|Chase Sapphire Preferred® Card||Travel|
|Chase Sapphire Reserve®||Travel|
|American Express® Gold Card*||Dining at Restaurants|
|Capital One® Savor® Cash Rewards Credit Card||Vivid Seats|
$0 1st year
|Capital One® Venture® Rewards Credit Card||None||$95,|
$0 1st year
|Citi® Double Cash Card||None||$0|
Closer Look at Each Card
Let’s go into more detail with each card below:
The Chase Sapphire Preferred Card® is a very popular rewards card, and for good reason. It has an incredibly generous sign-up bonus and earns extra points for travel and dining. What’s more, travel and dining are both broadly defined to include a wide variety of purchases.
Yes, the hefty annual fee a year is a lot for a credit card. But if you take full advantage of all that the Chase Sapphire Reserve® has to offer, then you’ll be getting much more than your money’s worth. Features include a big sign-up bonus, extra points on travel and dining, travel credits every year, lounge access via Priority Pass Select and more.
*On up to $25,000 per year in purchases, then 1X.
**On flights booked directly with airlines or on amextravel.com
Does a big chunk of your budget go towards food and entertainment? Then consider the Capital One® Savor® Cash Rewards Credit Card.
The Capital One® Venture® Rewards Credit Card is now turning heads, thanks to the recent addition of airline transfer partners. And if you’re into simple travel rewards, the Venture card has your name on it with a flat earning rate of double miles on all your purchases.
You’ll also enjoy a statement credit for your Global Entry or TSA PreCheck application fee, which is a rare feature for a mid-tier card.
If you’re looking for a low-cost option with simple rewards, you won’t find much better than the Citi® Double Cash Card. It doesn’t come with any bells or whistles – notably, no sign-up bonus – but it does offer a generous, flat-rate on all your purchases: 2% cash back (1% when you buy and 1% when you pay). In fact, it’s one of the cards we recommend for your everyday spending.
|Ongoing Rewards||2% cash back on all purchases|
While we focused on credit cards for young professionals in this post, you may want to consider other cards with additional earning potential that matches your spending behavior. Click here for our guide on the best credit cards in other categories or check out these other posts:
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