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Humphrey's Guide
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Introduction
0:30
Meet Your Guide
Unbiased guidance, trusted by millions.
Humphrey Yang
Financial Advisor | Entrepreneur | YouTuber
3.4M+
1.6M+
700K+
I built this guide to make your financial decisions easier. It's all my financial wisdom distilled into one easy resource. It’s free, researched, and all in one place, so you can feel confident you’re making the right choice. Hope it helps!
Humphrey Yang
May 2025
Credit Cards
Comparing the best credit cards of 2025.
Daily Spending
American Express Gold
linear-gradient(107deg, #E2D48D -4.89%, #C3B16C 25.9%, #ECDE9F 56.69%, #BFAE67 87.48%, #E5D48E 118.28%)
220
American Express Gold
Annual Fee
$325
Break-Even
N/A
Credit Score
670+
APR
20.24% - 29.24%
Winner
Approved
Coming Soon
Capital One Savor
linear-gradient(180deg, #923223 0%, #BD663B 100%)
208
Capital One Savor
Annual Fee
$0
Break-Even
N/A
Credit Score
N/A
APR
0% for 15 months
Winner
Approved
Coming Soon
Chase Freedom Unlimited
linear-gradient(291deg, #152D53 -3.76%, #2F64B9 120.92%)
222
Chase Freedom Unlimited
Annual Fee
$0
Break-Even
N/A
Credit Score
670+
APR
0% for 15 months
Winner
Approved
Coming Soon
Citi DoubleCash
linear-gradient(112deg, #07296B 0%, #088551 100%)
98
Citi DoubleCash
Annual Fee
$0
Break-Even
N/A
Credit Score
N/A
APR
0% for 18 months
Winner
Approved
Coming Soon
Robinhood Gold
linear-gradient(180deg, #96855B 0%, #DFBA72 72.12%, #FEDE81 100%)
253
Robinhood Gold
Annual Fee
$0
Break-Even
N/A
Credit Score
640+
APR
21.99% – 29.99%
Winner
Approved
Coming Soon
Travel Cards
American Express Platinum
linear-gradient(110deg, #E0E0E0 -8.04%, #C5C5C5 24.55%, #F4F4F4 57.15%, #BDC1C4 89.74%, #E0E0E0 122.33%)
220
American Express Platinum
Annual Fee
$695
Break-Even
N/A
Credit Score
690+
APR
20.24% - 29.24%
Winner
Approved
Coming Soon
Chase Sapphire Preferred
linear-gradient(292deg, #020D1E 0%, #004662 50.5%, #020D1E 100%)
200
Chase Sapphire Preferred
Annual Fee
$95
Break-Even
N/A
Credit Score
670+
APR
21.24%-28.24%
Winner
Approved
Coming Soon
Chase Sapphire Reserve
linear-gradient(248deg, #339EC8 -7.34%, #004966 23.44%, #020D1E 55.31%)
200
Chase Sapphire Reserve
Annual Fee
$550
Break-Even
N/A
Credit Score
700+
APR
21.99%. - 28.24%
Winner
Approved
Coming Soon
Capital One Venture X
linear-gradient(248deg, #0B5C8A 0%, #051B30 100%)
208
Capital One Venture X
Annual Fee
$395
Break-Even
N/A
Credit Score
740+
APR
19.99% - 29.24%
Winner
Approved
Coming Soon
Food & Entertainment
Chase Freedom Flex
linear-gradient(292deg, #64C6ED 0%, #1477A6 100%)
222
Chase Freedom Flex
Annual Fee
$0
Break-Even
N/A
Credit Score
690+
APR
0% for 15 months
Winner
Approved
Coming Soon
American Express Gold
linear-gradient(107deg, #E2D48D -4.89%, #C3B16C 25.9%, #ECDE9F 56.69%, #BFAE67 87.48%, #E5D48E 118.28%)
220
American Express Gold
Annual Fee
$325
Break-Even
N/A
Credit Score
670+
APR
20.24% - 29.24%
Winner
Approved
Coming Soon
Capital One Savor
linear-gradient(180deg, #923223 0%, #BD663B 100%)
208
Capital One Savor
Annual Fee
$0
Break-Even
N/A
Credit Score
N/A
APR
0% for 15 months
Winner
Approved
Coming Soon
Cashback
Chase Freedom Flex
linear-gradient(292deg, #64C6ED 0%, #1477A6 100%)
222
Chase Freedom Flex
Annual Fee
$0
Break-Even
N/A
Credit Score
690+
APR
0% for 15 months
Winner
Approved
Coming Soon
Amex Blue Cash Everyday
linear-gradient(281deg, #073986 -5.23%, #41A8F6 52.24%, #063883 109.71%)
319
Amex Blue Cash Everyday
Annual Fee
$0
Break-Even
N/A
Credit Score
670+
APR
0% for 15 months
Winner
Approved
Coming Soon
Capital One Spark Cash Plus
radial-gradient(64.09% 64.09% at 50% 50%, #07A861 0%, #0B5122 100%)
209
Capital One Spark Cash Plus
Annual Fee
$150
Break-Even
N/A
Credit Score
740+
APR
N/A
Winner
Approved
Coming Soon
Citi DoubleCash
linear-gradient(112deg, #07296B 0%, #088551 100%)
98
Citi DoubleCash
Annual Fee
$0
Break-Even
N/A
Credit Score
N/A
APR
0% for 18 months
Winner
Approved
Coming Soon
Special Cards
BILT Mastercard
linear-gradient(243deg, #080808 0.82%, #464646 48.13%, #080808 103.33%)
177
BILT Mastercard
Annual Fee
$0
Break-Even
N/A
Credit Score
680+
APR
21.99% - 29.99%
Winner
Approved
Coming Soon
Costco Anywhere Visa
linear-gradient(292deg, #5D6069 0%, #5B5E68 100%)
226
Costco Anywhere Visa
Annual Fee
$0
Break-Even
N/A
Credit Score
720+
APR
20.49% - 28.49%
Winner
Approved
Coming Soon
Amazon Prime Visa
linear-gradient(277deg, #021124 1.91%, #112948 50.77%, #041833 99.63%)
247
Amazon Prime Visa
Annual Fee
$0
Break-Even
N/A
Credit Score
670+
APR
0% for 6 months
Winner
Approved
Coming Soon
Discover It Secured Card
linear-gradient(277deg, #3A3A3C 1.91%, #717275 50.77%, #3A3A3C 99.63%)
215
Discover It Secured Card
Annual Fee
$0
Break-Even
N/A
Credit Score
N/A
APR
27.24%
Winner
Approved
Coming Soon
Apple Card
348
Apple Card
Annual Fee
$0
Break-Even
N/A
Credit Score
670+
APR
18.24% - 28.49%
Winner
Approved
Coming Soon