If you’re a young professional, and you’ve got a “real” job. You have your own apartment, and now you want a credit card that rewards you for your spending.
Check out our best credit card bonuses here.
Read below for the best credit cards that fit well with the young professional lifestyle.
Best Credit Cards for Young Professionals
When picking the best credit cards for young professionals, we considered a variety of factors such as:
- Annual fee
- Sign-up bonus
- Other Benefits
- Transfer partners
- Rewards rate
- Travel benefits
With these things in mind, here are the best credit cards that fit in those factors.
Credit Card | Welcome Bonus | Bonus Categories | Annual Fee |
Chase Sapphire Preferred Card | 60,000 points ($1,200 value) |
Travel Dining |
$95 |
Chase Sapphire Reserve | 50,000 points ($1,000 value) |
Travel Dining |
$550 |
American Express Gold Card | 60,000 points ($1,200 value) |
Dining Supermarkets Airfare |
$250 |
Capital One Savor Cash Rewards Credit Card | $300 cash | Vivid Seats Dining Entertainment Grocery stores |
$95, $0 1st year |
Capital One Venture Rewards Credit Card | 50,000 miles or 100K miles ($700 value or $1,400)** |
None | $95, $0 1st year |
Citi Double Cash Card | None | None | $0 |
Closer Look at Each Card
Let’s look more into what each card has to offer below:
The Chase Sapphire Preferred® Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase TravelSM. You'll earn: • 5x on travel purchased through Chase TravelSM • 3x on dining, select streaming services and online groceries • 2x on all other travel purchases • 1x on all other purchases • $50 Annual Chase Travel Hotel Credit Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM This card carries a $95 annual fee. |
The Chase Sapphire Reserve offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase TravelSM. You'll earn • 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel immediately after the first $300 is spent on travel purchases annually. • 3x points on other travel and dining • 1 point per $1 spent on all other purchases Get 50% more value when you redeem your points for travel through Chase Travel. This card does carry a $550 annual fee and there are no foreign transaction fees. However, you're able to earn a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year & up to $100 application fee credit for Global Entry or TSA Pre✓®. Member FDIC |
The American Express® Gold Card offers 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months. Terms apply. You'll earn: • 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S., • 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). • 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required. This card has an annual fee of $250 with no foreign transaction fees (See Rates & Fees). Terms Apply. |
The Capital One Venture Rewards Credit Card offers a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening. You're able to earn: • 2 Miles per dollar on every purchase, every day. • 5 Miles per dollar on hotels and rental cars booked through Capital One Travel This card does come with a $95 annual fee. Enjoy no foreign transaction fees and receive up to $100 application fee credit for Global Entry or TSA Pre✔®. |
Additional Guides
Here are some extra guides to help you find the best credit card suited for your needs.
- Best Airline Credit Cards for Travel Benefits and Rewards.
- Hotel Credit Cards for Travel Benefits + Rewards.
- Travel Credit Cards: Rewards and Benefits.
- Best Travel Rewards Credit Cards for Family Vacations.
- Credit Cards with No Foreign Transaction Fees.
- Best Rewards Credit Cards: Cash, Points, Miles, & Benefits
- Cash Back Credit Cards: Welcome Bonuses, Rewards
- Best Dining Credit Cards: Restaurant Points, Rewards & Cash Back
- Grocery Credit Cards: Co-Branded, Cashback & Rewards
- Best Small Business Credit Cards: Points, Miles & Rewards
Conclusion
Overall, if you’re a young professional looking to open a new credit card, these are some great options to consider. All of these cards will come with their own perks and benefits. So be sure to look into what they all have to offer before signing up for one.