Here Are 3 Good Credit Cards to Have Now

I earn over $1,000 in credit card rewards every year -- and I'm not doing anything crazy to get there. Just using the right cards for the right purchases.

So I can say with full confidence: the right credit card can seriously reward you for the stuff you're already buying. Whether it's flights, groceries, or your Netflix subscription, there's a card out there that turns everyday spending into valuable perks and cash back.

Below, I'll break down three solid cards that each shine in a different way. One's a luxury travel powerhouse. One's perfect for families and foodies. And one's as simple and reliable as it gets.

Let's find the one that fits your lifestyle best.

1. Best for travel perks: The Platinum Card® from American Express

If you travel a ton (or want to experience how VIPs travel) the Amex Platinum Card is your new best friend. While it carries a hefty $695 annual fee (see rates and fees), it more than earns its keep if you take advantage of its premium travel perks.

One of the biggest draws is airport lounge access. You'll get into Centurion Lounges, Priority Pass™ lounges, and even Delta Sky Clubs when flying Delta (terms apply). That alone can transform a layover from a hassle into a highlight.

It also earns 5X points on flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and on prepaid hotels booked with American Express Travel®. That's a killer points multiplier -- one of the highest across all travel credit cards.

Plus, it comes with a suite of annual credits worth north of $1,500. Like a $200 airline fee credit, $240 digital entertainment credit, $200 Uber Cash, and up to $199 toward CLEAR® Plus. Terms apply; enrollment may be required.

This is a card built for frequent flyers, luxury travelers, and anyone who values comfort and rewards while on the move. Apply today to start earning.

2. Best for cash back: Blue Cash Preferred® Card from American Express

The Amex Blue Cash Preferred is a grocery store and streaming champion.

Here's how you get rewarded for everyday spending:

• 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases) and select U.S. streaming subscriptions
• 3% cash back at U.S. gas stations and transit (including taxis/rideshare, parking, tolls, trains, buses and more)
• 1% cash back on other purchases

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

The card has a $0 intro annual fee for the first year, then $95. (See rates and fees.) But many households can earn that back just from grocery spending alone. For example, if you spend $500 a month on groceries, that's $360 in annual cash back.

I honestly think every household should have a gas and grocery rewards card. That's where so much of the monthly budget goes. May as well get top rewards for all that spending -- click here to apply today.

3. Best for flat-rate rewards: Wells Fargo Active Cash® Card

This next card just received a perfect 5-star rating from our credit card experts!

The Wells Fargo Active Cash® Card (rates and fees) makes life easy. It offers unlimited 2% cash rewards on all purchases. No rotating categories, no caps, no extra steps you need to worry about.

So no matter what you're buying -- flights, groceries, or an unreasonable amount of surfboard wax (hey, don't judge) -- you'll earn the same solid 2% cash rewards every time.

There's also a $200 cash rewards welcome offer after spending $500 in the first 3 months, and a $0 annual fee.

It's a great card to pair with another rewards card or keep as a one-size-fits-all option in your wallet. Apply for the Wells Fargo Active Cash® Card now.

Which card should you get?

All three of these cards bring something valuable to the table. The right one just depends on how you spend.

• Go with The Platinum Card® from American Express if you're a frequent traveler and want premium perks. If you can use all the credits and services included, it's a really fun card.
• Pick the Blue Cash Preferred® Card from American Express if your budget revolves around groceries, gas, and streaming (so… basically every family in America).
• Choose the Wells Fargo Active Cash® Card if you prefer to keep things simple with a flat 2% cash rewards on everything and no annual fee to worry about.

Whichever card you land on, you'll be adding a powerful rewards tool to your financial toolkit -- and that's always a smart move.