If you are a young professional, you may be looking for a credit card Which suits your current needs. You may be setting up your first big post-graduate job or creating your own Business From the ground.
Whatever the case, finding the right credit card that matches your financial situation, spending habits, and travel goals can help you become an expert in the points, miles, and cash back card game. To help you get started, we’ve put together a list of the best credit cards for young professionals.
Best Cards for Young Adults
American Express Green Card information independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
American Express Gold Card
Groceries and food are typically two of a person’s biggest spending categories each month. If this sounds like you, consider this 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 valued at $1,200 based on TPG’s January 2025 Valuation,
You may be targeted for a higher offer through cardmatch toolNot everyone will be targeted for the same offer, and offers may change at any time.
annual fee: $325 (see Rates and Fees,
award,
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- 4 points per dollar on dining at restaurants (on spending up to $50,000 each calendar year; 1 point per dollar thereafter) and at US supermarkets (on spending up to $25,000 each calendar year; 1 point per dollar thereafter) )
- 3 points per dollar spent on airfare, booked either directly with the airline or through amextravel.com
- 2 points per dollar spent on prepaid hotels 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 to cook at home, you’re probably spending a good portion of your money on food — and this card rewards you for it. It also offers 3 points per dollar spent on airfare, whether purchased directly from the airline’s website or through American Express TravelSo you’ll be rewarded with solid rewards when you book your dream vacation or go home for the holidays.
If you’re not sure where to start redeeming all those points, we have some suggestions,
To learn more, check out our Amex Gold full review,
apply here: American Express Gold Card
American Express Green Card
If you spend a lot on commuting and various travel expenses, consider the Amex Green.
Welcome Offer: Earn 40,000 points after you spend $3,000 on purchases within the first six months of Cardmembership. TPG’s January 2025 Valuation Value these 40,000 points at $800.
Annual Fee: $150
award:
- 3 points per dollar spent on travel including hotels, flights, transit, tours, taxis and ride-hailing services
- 3 points per dollar spent on dining at restaurants worldwide (including takeout and delivery in the US)
- 1 point per dollar spent on all other purchases
If you find yourself traveling more than ever, this card deserves a spot in your wallet. It earns bonus points on travel, transit and restaurant dining, so you’ll earn when you book travel, but also when you stay there and enjoy all the great food.
This card makes your travel experience easier with benefits like a statement credit of up to $199 per calendar year for your coverage clear plus membership and travel safety. Enrollment is required for select benefits; conditions apply.
learn more: American Express Green Card
Chase Sapphire Preferred Card
Chase Sapphire Preferred This is one of the best mid-tier cards. If you’re serious about traveling with points and miles, you should strongly consider this card.
welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. By January 2025, TPG Value This bonus is up to $1,230.
annual fee:$95
award,
- 5 points per dollar spent on all travel purchased through Chase Travelâ„
- 3 points per dollar 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 shopping (excludes Target®, Walmart® and Wholesale Clubs)
- 2 points per dollar spent on all other travel
- 1 point per dollar spent on all other purchases
If you’ve been paying attention, you probably know someone with this card. You may have also seen us telling you how much you need to get itAnd with good reason – this card really lives up to the hype.
Its extra earnings on travel purchases and benefits like travel cancellation insurance and no foreign transaction fees earn it the label as a travel card, but it also does the hard work for you in your everyday spending.
Whether you’re dining out, streaming or traveling, you can count on this card to earn some serious rewards.
There is a $95 annual fee, but we gladly pay it For the benefits available from this card.
To learn more, check out our Chase Sapphire Preferred full review,
apply here: Chase Sapphire Preferred Card
Citi Strata Premier Card
If you want a card that covers several common spending categories, consider this City Strata Premier,
welcome offer: Earn 75,000 points after you spend $4,000 on purchases within the first three months from account opening. By January 2025, TPG Value This bonus at $1,350.
annual fee:$95
award,
- 3 points per dollar spent on air travel and hotels
- 3 points per dollar spent at gas stations and electric vehicle charging stations
- 3 points per dollar spent at restaurants
- 3 points per dollar spent at supermarkets
- 1 point per dollar spent on all other purchases
The Citi Strata Premier is another excellent option for earning bonus points for both travel and everyday spending. Citi ThankYou points are versatile, allowing you to redeem them by transferring them to Citi’s airline or hotel transfer partners.
Between its welcome bonus and a variety of earning categories, this card will make your booking Your next trip with points In no time.
To learn more, check out our City Strata Premier full review,
apply here: Citi Strata Premier Card
Capital One Venture Rewards Credit Card
If you’re a Capital One fan and looking for a solid mid-tier travel card, consider this Capital One Venture Rewards,
Welcome Offer: Earn 75,000 bonus miles after you spend $4,000 on purchases in the first three months from account opening. TPG’s January 2025 Valuation Value this welcome offer at $1,388.
Annual Fee: $95
award,
- 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2 miles per dollar spent on all other purchases
This card is great if you spend most of your paycheck on purchases that typically don’t fall under other bonus categories.
With the Venture Rewards Card, you’ll earn 2 miles for every dollar you spend, whether it’s at the grocery store or getting a picture of your dog to hang in your new apartment.
You’ll love the option to redeem the miles you earn from this card by transferring them to one of Capital One’s 15-plus. Airline and Hotel Transfer PartnersThis card has features like bonus travel allowances Global Entry or TSA PreCheck no more credit foreign transaction fee,
The card’s versatility and travel features make it a great choice for young professionals.
To learn more, check out our Full Review of Capital One Venture Rewards,
learn more: Capital One Venture Rewards Credit Card
ground level
The commitment to a credit card can be overwhelming, especially if you haven’t been in the credit card game for very long. You know you have many options, but the main thing is to choose the one that best matches your travel goals and spending habits.
You really can’t go wrong with any one of these five cards. With everything from huge welcome bonuses to dining benefits, you’ll feel like a credit master in no time.
Connected: Have you just given preference to Sapphire? do this next
Click for Amex Gold Card rates and fees Here,