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Daniel Braun's Favorite Credit Cards

Hey, I’m Daniel and I talk about how to maximize value from credit cards on my YouTube channel while also developing smarter everyday personal finance habits. I hope that sharing my thoughts and my experiences with these topics can help you to become better with your money! These are some of my favorite credit cards right now.

Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
Capital One Venture X Credit Card Capital One Venture X Credit Card image
YBCC Card Rate Stars Filled
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(4.4)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Capital One Venture X Credit Card

Annual fee:
$395
Min credit score:
Excellent (800-850) *

Bonus Offer

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.

A true all-in-one travel card, including airport lounge access and much, much more.

Bonus points for spend in the following categories:

10x Car Rentals

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10x Hotels

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

+2 more
Card Details Learn How To Apply
Capital One Savor Cash Rewards Credit Card Capital One Savor Cash Rewards Credit Card image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.1)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Capital One Savor Cash Rewards Credit Card

Annual fee:
$0
Min credit score:
Good (670-739) *

Bonus Offer

$200 Cash Back after you spend $500 on purchases within 3 months from account opening

The Capital One Savor Cash Rewards Credit Card is a no-annual fee credit card offering 3% cash back on dining, at grocery stores, and on entertainment purchases.

Bonus points for spend in the following categories:

5x Car Rentals

Only earns 5% when booked via Capital One Travel; else 1%

5x Hotels

Only earns 5% when booked via Capital One Travel; else 1%

+5 more
Card Details Learn How To Apply
Chase Freedom Unlimited® Chase Freedom Unlimited® image
YBCC Card Rate Stars Filled
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(4.3)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Chase Freedom Unlimited®

Annual fee:
$0
Min credit score:
Good (670-739) *

Bonus Offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

The Chase Freedom Unlimited is a simple credit card earning at least 1.5% cash back on everything, but pair it with a Sapphire Reserve or Sapphire Preferred and you've got a powerful combo with the cash back from this card usable as valuable and transferable Chase Ultimate Rewards points.

Bonus points for spend in the following categories:

5x Airfare

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.

5x Car Rentals

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.

+4 more
Card Details Learn How to Apply
Chase Ink Business Unlimited® Credit Card Chase Ink Business Unlimited® Credit Card image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.4)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Chase Ink Business Unlimited® Credit Card

Annual fee:
$0
Min credit score:
Good (670-739) *

Bonus Offer

Get $750 in the form of 75,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.

Completing the Chase Ink Trifecta is the Chase Ink Business Unlimited®, offering 1.5% cash back on all eligible purchases.

Bonus points for spend in the following categories:

1.5x Everything Else
Card Details Learn How to Apply
Chase Ink Business Cash® Credit Card Chase Ink Business Cash® Credit Card image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.8)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Chase Ink Business Cash® Credit Card

Annual fee:
$0
Min credit score:
Good (670-739) *

Bonus Offer

Earn $350 in the form of 35,000 Ultimate Rewards points when you spend $3,000 on purchases in the first three months and an additional $400 in the form of 40,000 Ultimate Rewards points when you spend $6,000 on purchases in the first six months after account opening. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.

Want a no annual fee card that earns a ton on office supply stores and on internet, cable and phone services? This is your card.

Bonus points for spend in the following categories:

5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
+4 more
Card Details Learn How to Apply
Chase Sapphire Preferred® Card Chase Sapphire Preferred® Card image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.1)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Chase Sapphire Preferred® Card

Annual fee:
$95
Min credit score:
Good (670-739) *

Bonus Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

The best starter rewards credit card with powerful card benefits, a solid signup bonus, and a great introduction into Chase Ultimate Rewards points.

Bonus points for spend in the following categories:

5x Airfare

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5x Car Rentals

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

+6 more
Card Details Learn How to Apply
Chase Freedom Flex Review Chase Freedom Flex Review image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Chase Freedom Flex Review

All information about the Chase Freedom Flex Review has been collected independently by Your Best Credit Cards.
Annual fee:
$0
Min credit score:
Good (670-739) *

Bonus Offer

Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months.

The Chase Freedom Flex is a credit card with a twist. In addition to its standard rewards rate, you'll earn 5% back on up to $1,500 on rotating categories that change each quarter.

Bonus points for spend in the following categories:

5x Airfare

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.

5x Car Rentals

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.

+4 more
Card Details Learn How to Apply
Citi Custom Cash℠ Card image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.9)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Citi Custom Cash℠ Card

Annual fee:
$0
Min credit score:
Good (670-739) *

Bonus Offer

Bonus offer information is not available at this time. You can use our card explorer to explore more credit cards.

The Citi Custom Cash℠ Card has the most diverse selection of 5X bonus categories of any credit card.

Bonus points for spend in the following categories:

5x Airfare
5x Car Rentals
+10 more
Card Details
Citi® Double Cash Card image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.8)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Citi® Double Cash Card

Annual fee:
$0
Min credit score:
Fair (580-669) *

Bonus Offer

Bonus offer information is not available at this time. You can use our card explorer to explore more credit cards.

A powerhouse credit card that earns 2% cash back on everything (1% when you make a purchase and 1% when you pay), earned as Citi ThankYou® points. Combine with select other Citi cards to turn these points into fully transferable Citi ThankYou points (airline and hotel partners).

Bonus points for spend in the following categories:

2x Everything Else
Card Details

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Useful Cheat Sheets and Hints for Real Credit Card Geeks

For business cards, Chase is a particularly generous credit card issuer, and the Chase Ink Business Preferred credit card is one of the rare cards.

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