What is the BEST credit card?

7 Feb 2026 · 1 min

Watch on YouTube

0:50

In this concise YouTube monologue, the speaker ranks seven major credit‑card issuers (American Express, Capital One, Wells Fargo, Chase, Citi, Bank of America, and Apple Card) from best to worst based on overall status and reward value. The ranking is explained with brief justification for each issuer: American Express is placed #1 for its premier travel program and niche high‑earning cards (e.g., MX Blue with up to 6% on gas and groceries); Capital One is #2 for its industry‑leading business card (Capital One Spark) and a 3% cash‑back dining card; Wells Fargo and Chase tie around #3 for solid 2% cash‑back cards but Chase is penalized for poor customer experience; Citi lands at #4, noted for lounge access; Bank of America is #6 with no standout features mentioned; Apple Card is #7, praised only for phone‑based convenience but criticized for weak rewards. The speaker’s tone is conversational and opinionated, offering quick, punchy assessments without deep analysis.

Chapters

Blind. Rank these 7 credit card companies based on status and reward without knowing what comes next. Apple Card 7 the rewards aren't that good and they're just convenient to use because it's on your phone. Wells Fargo 3 because they have some really good cards that give you 2% cash back on everything. Bank of America 6 Citi 4 because you can get the American Express lounge card. Capital One 2 because they have one of the best business cards out there, Capital One Spark. And then they also have a dining card that gives you 3% cash back on all food. Chase 3 but dealing with Chase is a pain in the ass, so I don't do anything with them. American Express 1 because they have the best travel program and they also have other cards that people don't usually know about, like the MX Blue that gives you up to 6% on gas and 6% on groceries, which is insane.