If you are a young professional, you may be looking for: credit card It suits your current needs. Maybe you’re settling into your first big job out of grad school, or you’re building your own. work From the root.
Either way, finding the right credit card for your financial situation, spending habits, and travel goals can help you become a pro at the points, miles, and cashback card game. To help you get started, we’ve compiled a list of the best credit cards for young professionals.
best cards for young people
American Express Green Card information was collected independently by The Points Guy. The card details on this page have not been verified or provided by the card issuer.
american express gold card
Groceries and meals are generally two of a person’s biggest spending categories each month. If this sounds like you, consider the following: amex gold card.
Welcome offer: Earn 60,000 bonus points after you spend $6,000 on purchases in the first six months of cardmembership. This welcome offer is worth $1,200 based on TPG January 2025 evaluation.
You may be eligible for higher offers through card match tool. Not everyone is eligible for the same offer and offers are subject to change at any time.
Annual fee: $325 (reference) Rates and fees)
reward:
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- $1 on restaurant meals (up to $50,000 spent per calendar year, 1 point per dollar thereafter) and U.S. supermarket meals (up to $25,000 spent per calendar year, 1 point per dollar thereafter) 4 points per
- 3 points per dollar spent on airfare booked directly with the airline or through amextravel.com
- Earn 2 points per dollar spent on prepaid hotel and other eligible purchases through amextravel.com.
- 1 point per dollar spent on other eligible purchases
Whether you’re going out with friends or learning how to cook at home, you’re probably spending a significant portion of your money on food. And this card rewards you for it. You’ll also earn 3 points per dollar spent on airfare when you buy directly from the airline’s website or through the airline. american express travelSo when you book your dream vacation or go home for a vacation, you’ll earn guaranteed rewards.
If you don’t know where to start redeeming these points, please use the following services: some suggestions.
Click here for more information. Amex Gold full review.
Apply here: american express gold card
american express green card
If you spend a lot of money on commuting and various transportation expenses, consider Amex Green.
Welcome offer: Earn 40,000 points after you spend $3,000 on purchases within the first six months of cardmembership. TPG January 2025 evaluation We’ll lock those 40,000 points at $800.
Annual fee: $150
Reward:
- 3 points for every dollar spent on travel including hotels, flights, transportation, tours, taxis and ride-hailing services
- 3 points per dollar spent on dining at restaurants worldwide (including takeout and delivery in the U.S.)
- 1 point per $1 on all other purchases
If you find yourself traveling more than before, this card is worth keeping in your wallet. Earn bonus points on travel, transportation, and restaurant dining, so you can earn not only when you book your trip, but also when you explore all the delicious food while you’re on the road.
This card also makes your travel experience easier with perks like up to $199 in annual statement credits to cover your travel expenses. clear plus member and travel protection. Registration required to take advantage of some benefits. Terms and conditions apply.
learn more: american express green card
Chase Sapphire Preferred Card
of Chase Sapphire is preferred One of the best mid-tier cards. If you’re serious about traveling with points or miles, you should strongly consider this card.
welcome offer: Earn 60,000 bonus points when you spend $4,000 on purchases within the first three months of account opening. As of January 2025, TPG values This bonus can be up to $1,230.
Annual fee: $95
reward:
- 5 points per dollar on every trip purchased through Chase Travel℠
- 3 points per $1 spent on dining including eligible delivery services, takeout, and dining out.
- 3 points per dollar spent on select streaming services
- 3 points per dollar spent on online grocery purchases (excludes Target®, Walmart® and Wholesale Club)
- 2 points per $1 spent on all other travel
- 1 point per $1 on all other purchases
If you’ve been paying attention, you probably know someone who has this card. You’ve probably even seen us tell you that amount. need to get it. There’s a good reason for that. This card really lives up to the hype.
It’s known as a travel card because it allows you to earn extra income on travel purchases and offers benefits like trip cancellation insurance and no foreign transaction fees, but it can also be useful for everyday expenses.
Whether you’re dining out, streaming, or traveling, you’ll earn great rewards with this card.
There is an annual membership fee of $95, but we are willing to pay it About the benefits of this card.
Click here for more information. Chase Sapphire Preferred Full Review.
Apply here: Chase Sapphire Preferred Card
City Strata Premier Card
If you want a card that covers a number of common spending categories, consider: City Strata Premier.
welcome offer: Earn 75,000 points when you spend $4,000 on purchases within the first three months of account opening. As of January 2025, TPG values This bonus is $1,350.
Annual fee: $95
reward:
- 3 points per dollar spent on flights and hotels
- 3 points for every dollar spent at gas stations and electric vehicle charging stations
- 3 points for every dollar spent at restaurants
- 3 points for every dollar spent at the supermarket
- 1 point per $1 on all other purchases
Citi Strata Premier is also a great option that allows you to earn bonus points on both travel and everyday spending. Citi Thank You Points are versatile and can be transferred and redeemed to Citi’s airline and hotel transfer partners.
With a welcome bonus and various earning categories, this card will get you booked. Use your points on your next trip in a flash.
Click here for more information. Full review of Citi Strata Premier.
Apply here: City Strata Premier Card
Capital One Venture Rewards Credit Card
If you’re a Capital One fan and looking for a solid mid-range travel card, consider the following cards. Capital One Venture Rewards.
Welcome offer: Earn 75,000 bonus miles after you spend $4,000 on purchases within the first three months of account opening. TPG January 2025 evaluation The price of this welcome offer is $1,388.
Annual fee: $95
reward:
- 5 miles per dollar spent on hotels, vacation rentals, and car rentals booked through Capital One Travel
- Earn 2 miles per dollar on all other purchases
This card is great if you spend most of your paycheck on purchases that don’t fall into other bonus categories.
With the Venture Rewards card, you’ll earn 2 miles for every dollar you spend on things like shopping at the grocery store or commissioning a dog portrait for your new apartment.
You’ll love the option to transfer and redeem the miles you earn with this card for any of Capital One’s 15+ miles. Airline and hotel transportation partners. This card comes with bonus travel benefits, including: Global Entry or TSA Precheck credits and no foreign transaction fees.
This card’s versatility and travel benefits make it a great choice for young professionals.
Click here for more information. Complete review of Capital One Venture Rewards.
learn more: Capital One Venture Rewards Credit Card
conclusion
Getting a credit card deal can be overwhelming, especially if you haven’t had one for very long. You probably know there are a lot of options out there, but the key is to choose the one that best fits your travel goals and spending habits.
You can’t go wrong with any of these five cards. With everything from huge welcome bonuses to meal perks, you’ll be feeling like a credit boss in no time.
Related: Just earned Sapphire Priority? Do this next
Click here for Amex Gold Card rates and fees. here.
