It’s easy to get suckered in by a credit card’s flashy welcome offer or short-term promotion. But what if you’re looking for a card that’s built for the long haul?
These three cards offer some of the best recurring benefits and earning rates we’ve ever seen. Here’s why once you add them to your wallet, you’ll use them forever.
1. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card (see rates and fees) is one of the most popular credit cards. It has a $95 annual fee, but a yearly $50 hotel credit effectively bumps that down to $45.
You’ll also enjoy:
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining, select streaming services, and online groceries
- 2X points on all other travel
- 1X points on other purchases
Plus, with ongoing travel protections like trip cancellation insurance, primary rental car coverage, and no foreign transaction fees, most people can easily justify its annual price tag.
Ready to pull the trigger? Apply for the Chase Sapphire Preferred now (see rates and fees) and, upon approval, get 100,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.
2. Wells Fargo Active Cash® Card
If you prefer straightforward cash back over travel rewards, the Wells Fargo Active Cash® Card (see rates and fees) is probably the best long-term option on the market. For a $0 annual fee, you’ll get unlimited 2% cash rewards on all purchases — no need to worry about bonus categories or other bells and whistles.
Other long-term benefits include cellphone protection and Visa Signature® benefits like roadside dispatch and concierge services.
For everyday purchases and simple cash rewards, the Wells Fargo Active Cash® Card is hard to beat. Apply now for the Wells Fargo Active Cash Card (see rates and fees) and get a $200 cash rewards bonus after spending $500 in purchases in the first 3 months after approval.
3. Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card (see rates and fees) is built for travelers who value simplicity. For a $95 annual fee, it offers:
- 5X miles on hotels and rental cars booked through Capital One Travel
- 2X miles on every purchase
And if you’re looking to justify the annual fee, now’s the perfect time to apply. The card’s current welcome offer provides 75,000 Miles + $250 Travel Credit once you spend $4,000 on purchases within the first 3 months from account opening. All of that adds up to $1,000 in travel.
Which card is right for you?
All three of these cards are built to offer long-term value — but as with any credit card, you’ll only benefit from it if it aligns your spending habits and lifestyle.
If you still haven’t found the card for you, check out the full list of our favorite credit cards and apply today.
