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Reddit can be a great resource to get answers to answer your different questions or even learn something new. It’s possible that you have even looked for the “best credit cards on Reddit” before applying for a new credit card. For example, maybe you want to see what the best credit card offers are or which cards pay the most rewards points.

There isn’t a specific subreddit that solely focuses on the best credit cards. But, you can find plenty of advice in the Credit Cards and Personal Finance subreddits. Below are some of the credit card questions other Reddit users have asked.

Maybe you have been wanting to ask the same question. Either way, we’ve put together some information regarding those Reddit credit card questions in the hopes that it answers yours. Check it out in our best Reddit credit card guide.

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Credit Cards for Points and Rewards

You might be curious to see what others recommend as being the best credit card for points and rewards. This is a difficult question to answer because all of us have different credit situations and spending habits. Plus, you must decide if you want to redeem cash rewards or travel rewards.

There are many options for the best rewards credit card.

However, getting a co-brand airline or hotel credit card can be a better fit if you consistently travel with one or two brands.

There are also the best cash-back credit cards.

Best Credit Card for Hotels and Flights

When travel, hotel nights, and plane tickets will probably be your two largest travel expenses, picking the best credit cards for airline miles purchases is ideal. There are many excellent travel credit cards to choose from, but several cards should make the shortlist for any traveler.

If you like the simplicity of flat-rate rewards, the Capital One Venture Rewards Credit Card earns unlimited 2 miles per $1 spent on every purchase. This is an easy way to maximize any travel and non-travel purchase. Your miles can be redeemed in any amount for travel statement credits. Booking upcoming award travel and airline mile transfers are two other redemption options you may appreciate.

However, if you want to earn a few more miles on travel, good news—earn 5x miles on hotels and rental cars booked through Capital One Travel. 

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, with the Capital One Venture Rewards Credit Card.

Best Credit Card for Gas and Groceries

Two of your most common monthly expenses are most likely gas and groceries. These two purchases are an easy way to earn bonus points every week. The best gas credit cards and best credit cards for grocery purchases offer bonuses and rewards for these specific purchases.

Possibly the best overall card for both purchases is The Blue Cash Preferred® Card from American Express. You earn 6% cash back at U.S. supermarkets on the first $6,000 spent annually, then 1%. All U.S. gas station purchases earn an unlimited 3% cash back. You also get 6% cash back on select streaming subscriptions and 3% cash back on transit like rideshare, tolls, trains, and more. All non-bonus spending earns 1% cash back. Cash back comes in the form of Reward Dollars that can be redeemed as a statement credit or at at checkout. There is a $0 intro annual fee for the first year, then $95 (See Rates & Fees).

Best Cash Back Credit Card

Cash-back credit cards are a popular topic on Reddit. Your best option depends on if you want a flat-rate or tiered rewards card. As cash-back cards usually don’t offer many additional benefits, it usually makes sense to choose the best travel credit cards with no annual fees.

The information for the Citi® Double Cash Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The Citi® Double Cash Card is the best flat-rate card because you earn up to 2% back on every $1 spent. You earn 1% when you buy plus an additional 1% when you pay for your purchases. To earn cash back, pay at least the minimum due on time.

Most flat-rate cards only offer up to 1.5% back on purchases.

The Capital One Savor Cash Rewards Credit Card is another top choice as you get 4% back on dining, select streaming services, and entertainment. However, you do pay a $95 annual fee.

If your spending doesn’t offset the fee, the Capital One SavorOne Cash Rewards Credit Card is fee-free and still earns 3% back on dining, select streaming services, entertainment, and groceries.

The information for the Capital One Savor Cash Rewards Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Best Credit Card for Starters

Another common question is “what is the best travel credit card for beginners?” The person asking this particular question was 24 years old and now wants to build credit.

One option is applying for a card through your current bank as they are more likely to approve your application since you are a current customer. Another option is researching the credit cards that have the highest approval odds for your current credit score range. Check out our post on the easiest credit cards to get approved for more info.

A current popular option is the Capital One Platinum Credit Card as it doesn’t charge an annual fee and your credit limit can increase after the first 6 months of on-time payments. You also only need a minimum 580 credit score to have the best approval odds.

Another option can be getting a secured credit card when you have no credit and are not a college student. The best instant approval credit cards don’t have an annual fee and can also earn rewards points. Secured cards do require an upfront security deposit (it’s refundable) in order to open an account.

Each on-time payment can increase your credit score so you can apply for a more robust option in the future.

Summary of Best Sub-Reddit for Credit Cards

As you can see, there is a wide variety of credit card questions on Reddit. Maybe you want to ask a similar question and can find the answer in an existing thread. Or maybe you are simply curious and will learn about a new credit card through another person asking a question.

For rates and fees of The Blue Cash Preferred® Card from American Express, please click here.

Johnny Jet has partnered with CardRatings for our coverage of credit card products. Johnny Jet and CardRatings may receive a commission from card issuers.

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