accordion-minus accordion-plus account-aside-cards-ico account-aside-consultations-ico account-aside-logout-ico account-aside-profile-ico account-aside-reading-ico account-aside-settings-ico account-aside-wishlist-ico account-categories-edit account-categories-save account-mobile-nav-arr account-sidebar-active bonus-ico btn-find-ico btn-gradient-fb-ico btn-ico-edit business-ico calc-ico cash-ico check-green close-ico compare-card-equal-ico compare-card-plus-ico compare-plus-ico compare-tooltip-arr compare-tooltip-close compare-tooltip-ico correct-ico correct-large-ico credit-card-bullet err-info-ico facebook facetwp-selections-arr filter-arr heart-ico-filled heart-ico hero-section-bg-animated-mask hero-section-bg-mask-2 hero-section-bg-mask home-slider-arr-icon incorrect-ico insta is-best-ico listing-mob-filter listing-mob-sort loader-ico lock-ico-filled-white lock-ico-filled lock-ico login-facebook login-google login-linkedin my-cards-toggle notification-close-ico notification-success-ico notify-like-clicked notify-like notify-me-ico-clicked notify-me-ico num-counter-item-ico personal-ico points-ico price-edit-blue profile-ico remove-card search-ico select-arr share-facebook-ico share-linkedin-ico share-mail-ico share-twitter-ico sign-in-google-ico slider-ico-1 slider-ico-2 slider-ico-3 slider-ico-4 slider-ico-5 slider-ico-6 stars-5-empty stars-5-filled-edit stars-5-filled tooltip-filter-ico-green tooltip-filter-ico-light tooltip-filter-ico-white tooltip-filter-ico tooltip-ico twitter-widget-ico twitter ybcc-comparison-arr ybcc-comparison-card ybcc-socials-fb ybcc-socials-inst ybcc-socials-tw ybcc-socials-yt youtube
Explore Credit Cards Add Your Spending Profile
Explore Credit Cards
Your Best Credit Cards 2.0 is Now Live!🎉
Browse all Cards

Spencer Johnson’s Favorite Credit Cards

Spencer discusses the topics you didn’t learn in school on his YouTube Channel… credit cards and personal finance. He shares his knowledge of personal finance with college students and any individuals who, just like him, did not learn about topics such as credit cards, investing, taxes, bank accounts, etc. from formal education.

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.
link 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

Get $900 in the form of 90,000 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.

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
link Capital One Venture X 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.

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
link 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

60,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months. This is worth at least $750 towards travel!

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 the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X 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 2X points.

+6 more
Card Details Learn How to Apply
link American Express® Gold Card / Rose Gold Card image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.5)

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.

American Express® Gold Card / Rose Gold Card

American Express is an Advertising Partner
Annual fee:
$250 (Rates and fees)
Min credit score:
Good (670-739) *

Bonus Offer

Earn 60,000 bonus Membership Rewards points when you spend $6,000 in 6 months. Terms apply.

The perfect credit card for dining and supermarket spending, with a huge 4X points on both.

Bonus points for spend in the following categories:

4x Dining Out / Food Delivery

At restaurants worldwide and on takeout delivery within the U,S.

4x Groceries

4X Membership Rewards points per dollar spent on U.S. Supermarkets* (up to $25,000 a year; 1X thereafter)

+2 more
Card Details Learn How to Apply
Citi Custom Cash℠ Card Citi Custom 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 Custom 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.

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
link The Blue Business® Plus Credit Card from American Express image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(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.

The Blue Business® Plus Credit Card from American Express

American Express is an Advertising Partner
Annual fee:
$0 (Rates and fees)
Min credit score:
Good (670-739) *

Bonus Offer

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

The Blue Business Plus Credit Card from American Express is an excellent credit card for small business owners, helping you maximize your everyday business purchases with no credit limit or annual fee to worry about.

Bonus points for spend in the following categories:

2x Advertising (Online / TV / Radio)
2x Advertising on Search Engines and Social Media
+19 more
Card Details Learn How to Apply
link Chase Freedom Unlimited® image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(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

SPECIAL OFFER: Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn. That’s a total of 3% - 10% cash back - because bonus category spend is also doubled!!

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 the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1.5X 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 1.5X points.

+4 more
Card Details Learn How to Apply

Your account has been successfully created!

Create your account