My 4 Most-Used Credit Cards of 2025
- Points By J
- 9 hours ago
- 4 min read
I hesitate to share my most-used credit cards because what's best for me isn't necessarily what's best for you! We all have different points goals, spending habits, and preferences that should guide our card decisions.
But, I get this question a lot! So, with that disclaimer shared... here are my top most-used credit cards of 2025. Please keep in mind that when I'm working on a new card's sign-up bonus minimum spend, I put all of my spending on that card! These are the cards I come back to when I'm not working on a new bonus. If you do apply for a credit card, I appreciate if you apply through one of these links. It costs you nothing extra, but supports my ability to continue making free content.
#1 Most Used Personal Credit Card?
Chase Sapphire Preferred® Card - Learn more here
Spending categories: Dining & Travel
This is my top most-recommended travel card for a reason. It has all the essentials: reasonable annual fee, strong points earning potential, and awesome travel insurance. In fact, it was my first travel credit card in my early twenties, and it continues to be my most-used travel card now because of the best-in-class travel insurance it offers. Plus, Chase Ultimate Rewards points are incredibly valuable. I use mine by transferring them out to Hyatt for luxury hotel stays that don't require very many points.
I'd recommend this card to anyone who wants a card that offers:
Generous restaurant and travel points multipliers: 3x points on every $1 spent on dining, select streaming services and online groceries, 2x points on every $1 spent on travel
Best-in-class travel insurance
Points that can easily be redeemed for luxury hotel stays
No foreign transaction fees
#2 Capital One Venture X Rewards Credit Card - Learn more here
Spending categories: Miscellaneous spending (e.g., shopping) that's not a bonus point earning category on other cards
Earning 2 miles for every $1 I spend has been such a valuable resource this year because I've had a lot of non-bonus category personal spending that would earn just 1 mile per dollar on other cards. Plus, the airport lounge access (including guest access!) has been fantastic. I added my husband as an authorized user ($0 extra!) because that gave him his own Priority Pass account. So, he can enter lounges even when we're not traveling together.
I'd recommend this card to anyone who wants a card that offers:
Airport lounge access for the primary cardholder
A great bonus point multiplier without having to keep track of spending categories
A guaranteed way to offset the annual fee every single year (annual $300 travel credit and 10k bonus miles every anniversary year)
No foreign transaction fees
#3 World of Hyatt Credit Card - Learn more here
Spending categories: Transit, Gym Membership, Hyatt Stays (when not using points, or on miscellaneous charges at properties like restaurants)
I keep this card in my wallet to help maximize points earning on any dollars I spend at Hyatt. This year, I used it as my "miscellaneous spending" card for a couple months to earn extra tier-qualifying night credits. That strategy helps me to maintain status.
I'd recommend this card to anyone who wants a card that offers:
Perks for Hyatt loyalists:
4x points on eligible Hyatt purchases
Complimentary Hyatt Discoverist status
5 tier-qualifying nights every year (+ an additional 2 nights for every $5,000 spent on the card)
1 free night certificate each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort (I usually get $300-400+ of value out of this, more than offsetting the $95 annual fee)
2x points on fitness memberships, transit, dining, and airfare (when booked directly)
No foreign transaction fees
Since Hyatt points are very valuable (often worth around 1.7–2 cents per point), you’re getting a stellar return on your spending.
Most-used Business Credit Card:
#4 Capital One Venture X Business - Learn more here
This is my "go-to" card for business expenses that don't fit into a particular bonus category (which, for me, is most of my expenses!) Earning 2 points per $1 spent on my business accelerates my ability to travel more for free.
I'd suggest this card to anyone who wants a business card that offers:
Lux travel perks like airport lounge access, annual travel credit, and travel insurance
An incredibly generous sign-up bonus that's a good fit if you have high spend: Earn 200k miles when you spend $30k in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 months
2x miles for every $1 spent
I hope this inspires you to refine your credit card strategy, and pick cards that support your goals!
