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Best credit cards for young professionals

Earn rewards on dining, public transportation or other categories.

Young professionals have a large variety of excellent credit cards to choose from. Most of these cards have no annual fee and offer valuable rewards on select categories of purchases. If you do want to get a card with an annual fee, you’ll find more premium options.

Best overall credit card

Chase Freedom Flex℠

Finder rating 4.7 / 5 ★★★★★

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Most credit cards have focused their rewards on one or two categories. However, the Chase Freedom Flex℠ lets you earn a generous rewards rate on a variety of categories, including groceries, Lyft rides, travel, dining and more. And the best part — it has a $0 annual fee.

Best for travel credit card

Chase Sapphire Reserve®

Finder rating 4.6 / 5 ★★★★★

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Whether you're traveling for leisure or work, having an excellent travel card will not only earn you rewards, but will give you a host of travel protections. The Chase Sapphire Reserve® is the leading card in this sphere, and if you pair it with other Chase cards, you'll get a powerful combination of rewards.

Best for public transportation credit card

Blue Cash Preferred® Card from American Express

Finder rating 4.3 / 5 ★★★★★

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Terms apply, see rates & fees
Those who often use public transportation can earn solid rewards with the right credit card. Aside from a generous rewards rate on groceries and streaming services, the Blue Cash Preferred® Card from American Express lets you earn 3% back on public transport, including busses, subway, trains, and even rideshares, taxis, tolls and parking.
Terms apply to American Express benefits and offers.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Best for dining and entertainment credit card

Savor Rewards from Capital One

Finder rating 4.4 / 5 ★★★★★

Relax after a hard day at work and earn rewards with the Savor Rewards from Capital One. In addition to earning rewards on dining and entertainment purchases, you get to earn a massive 8% back on sporting events purchased from Vivid Seats until January 31, 2023.

Best for building credit without paying fees and interest credit card Visa card

Young professionals who are distrustful of the financial system are in for a treat. With the Visa card, you won't earn any rewards like with standard credit cards but you won't pay any fees and interest.

How we picked our best cards

We compared multiple cards with features valuable to young professionals. We chose the cards with the best combination of rewards, annual fee and other benefits.

Compare credit cards for young professionals

Name Product Welcome Offer Rewards Annual fee Filter values
BlockFi Bitcoin Rewards Credit Card
Up to $100 in Bitcoin rewards by earning 3.5% back in Bitcoin on all purchases in the first 90 days
3.5% back in Bitcoin in the first 90 days, up to a total of $100 in Bitcoin, then 1.5% on all purchases
Earn 3.5% back in Bitcoin in the first 90 days, up to a total of $100 in Bitcoin. After that you'll earn a solid 1.5% back on all purchases.
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
Earn a $200 statement credit after spending $2,000 in the first 6 months
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on other purchases (redeem as statement credit)
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees

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How to compare credit cards for young professionals

With so many credit cards to choose from, it may feel overwhelming. To make the search for the best card for you easier, here are some things to keep in mind:

  • Annual fee. Credit card annual fees range from $0 to more than $500. Typically, the more expensive the card, the more benefits it offers. But there are some excellent no-annual-fee cards — like the Chase Freedom Flex℠ — that rival even expensive ones. Whichever card you choose, make sure you can squeeze out a higher value than what you pay for it.
  • Rewards. This one’s a no-brainer really — get the card that earns the highest rewards on categories where you spend most. If you spend money on multiple categories, consider combining two or more credit cards.
  • Intro APR period. Sometimes rewards are not the most important thing for your financial situation, and that’s okay. This is especially true for anyone looking to make a large purchase and pay it off without interest for a long period of time. Luckily, most of these types of cards also offer rewards.

Bottom line

Young professionals can choose cards with rewards on travel, transportation, dining and entertainment, and more. But if none of these cards seem appealing enough, compare other credit cards until you find the best card for your situation.

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