5 Best Credit Card Offers for 2025
IdentityIQ
Credit card offers have come a long way in recent years, and credit card companies know you have options. So, to attract you as a new member they often provide enticing sign up bonuses like cash back, low intro annual percentage rates (APR), or rewards you can use toward travel, food, and more.
While some of these offers might seem too good to be true, that usually isn’t the case if you understand how to use a credit card responsibly.
Whether you’re hunting for travel rewards, cash back, or balance transfer options, we’ve rounded up the best credit card offers to kickstart your financial glow-up in 2025.
1. Best Cash Back Credit Card Offer
The Cash Back King: Chase Freedom Unlimited® Card
What We Like: First and foremost, we love that this card offers no annual fee, and that your cash back rewards do not expire.1 On top of that great perk, the cash back offers include up to 5% cash back on travel, 3% cash back on dining and drugstore purchases, and 1.5% cash back on everything else.1
Sign Up Bonuses: For your first year, the Chase Freedom Unlimited Card currently offers a sign up bonus of 0% APR2 on purchases and balance transfers, plus an additional 1.5% cash back on all purchases.1 That means you could earn 3%-6.5% cash back during your first year.1
What We Don’t Like: After your first year, the Chase Freedom Unlimited Card has a relatively high APR.2 The good news is you can avoid interest fees by paying off your balance in full every month.
Click here to learn more.
2. Best Travel Credit Card Offer
Travel in Style: Chase Sapphire Preferred® Card
Why We Like It: With up to five times points on travel, one to three times points on other purchases, and 25% more value on points redeemed through Chase Travel, this card is your ticket to discounted travel.3 Add perks like airport lounge access and no foreign transaction fees, and you’re ready to upgrade your travel without the hefty price tag.4
Sign Up Bonuses: As a new card member, you can earn 60,000 bonus points after spending $4,000 in the first three months with the Chase Sapphire Card.3
What We Don’t Like: While the Chase Sapphire Card offers a big bang for your buck when you make your travel purchases through Chase Travel, this card does have a relatively high APR.4 There is also a $95 annual fee, but that can be partially offset by the $50 Annual Chase Travel Hotel Credit.4
Click here to learn more.
3. Best Balance Transfer Credit Card Offer
The Debt Slayer: Chase Freedom Unlimited® Card
What We Like: One of the best ways to save money on credit card interest is to move your balance to a card with a lower APR. This card offers a 0% APR sign up offer, plus no annual fee and great cash back rewards.2
Sign Up Bonuses: For your first year, the Chase Freedom Unlimited Card currently offers a sign up bonus of 0% APR on purchases and balance transfers, plus an additional 1.5% cash back on all purchases.1,2 That means you can earn 3%-6.5% cash back during your first year.1
What We Don’t Like: There are standard balance transfer fees with this card, a $95 annual fee, and a relatively high APR after your first year.2 The good news is you can avoid interest fees by paying off your balance in full before the promotional period ends.
Click here to learn more.
4. Best Pre-Paid Card
Small But Mighty: PayPal Prepaid Mastercard
Why We Like It: The PayPal Prepaid Mastercard gives you cash back offers from select merchants, access to your paycheck or government benefits up to two days early, and a faster tax refund than a paper check!5 This is a great option if you are new to credit cards, or do not have a high enough credit score to qualify for credit card offers.
Sign Up Bonuses: No sign up offers are available at this time.
What We Don’t Like: While there is no annual fee with this card, there is a monthly fee of $4.95 as well as other fees for certain transactions.6
Click here to learn more.
5. Best Dining Rewards Credit Card
Dining Royalty: Chase Freedom Unlimited® Card
What We Like: Whether you’re a Michelin star enthusiast or a pizza connoisseur, this card feeds your wallet. Earn 3% cash back on dining purchases, including takeout and eligible delivery services.1 Plus, you also get up to 5% cash back on travel, 3% at drugstores, and 1.5% on everything else.1
Sign Up Bonuses: For your first year, the Chase Freedom Unlimited Card lets you earn an additional 1.5% cash back on all purchases.1 That means you could earn 4.5% cash back on dining, takeout, and delivery!1 Plus, you also get 0% APR on purchases and balance transfers your first year.2
What We Don’t Like: After your first year, the Chase Freedom Unlimited Card has a relatively high APR.2 You can avoid incurring interest fees by paying off your balance in full every month.
Click here to learn more.
How to Choose the Right Card
- Assess Your Goals: Do you want to save on travel, pay down debt, or earn cash back?
- Mind the Fees: Annual fees can be worth it for premium perks, but only if you’ll use them.
- Check the Fine Print: Bonus categories and APR periods matter. Be strategic to maximize your rewards.
- Get Protected: Most credit cards offer basic fraud protection, but your financial security deserves more. IdentityIQ takes it a step further by helping safeguard your personal data from being sold on the dark web and shielding your accounts from unauthorized access. Upgrade your protection today with IdentityIQ.
Heading Into 2025, Smarter
The right credit card is more than a piece of plastic; it’s a tool to make your money work harder. By picking one of these top offers, you can start your year with more rewards, fewer fees, and a better financial outlook.
IDIQ® is NOT a bank, lender, home improvement, or insurance company. Offers made on this page are offers for services by independent parties and are not companies of IDIQ. Some offers may come from IDIQ advertising partners.
1Chase Freedom Unlimited Card: View Offer Details
2Chase Freedom Unlimited Card: Pricing & Terms
3Chase Sapphire Preferred® Card: View Offer Details
4Chase Sapphire Preferred® Card: Pricing & Terms
5PayPal Prepaid Mastercard: View Disclosures Here
6PayPal Prepaid Mastercard: Cardholder Agreement and Fees
The post 5 Best Credit Card Offers for 2025 appeared first on IdentityIQ written by Kristin Hudson
