The 5 Best Credit Cards for Millennials in 2019

Uber Visa card
••• Uber

Millennials are a unique generation, not just any credit card will suit their love for travel and Sunday brunches. Zero percent interest credit cards may not appeal to this generation, unless the promotional interest rate also applies to purchases and there's a signup bonus. We've combed the internet for credit cards that appeal to millennial and narrowed it down to the best. Our list includes:

  • Best for Restaurant Lovers: Uber Visa Card Issued By Barclays
  • Best for Travel Lovers: Chase Sapphire Reserve
  • Best No Annual Fee Travel: Blue Delta Skymiles American Express
  • Best for Shoppers: Amazon Prime Rewards Visa Signature Card
  • Best for Simplicity: Citi Double Cash Card

Paying your balance in full is best on a rewards credit card. Otherwise, you'll incur interest charges that will devalue the rewards you've earned. As you decide which credit card is best for you, consider your spending habits and how you'd prefer to redeem your rewards. If you're willing to pay an annual fee, you may be able to rack up even more rewards, but keep in mind that you need to be a heavy spender to earn enough rewards to offset an annual fee.

Best for Restaurant Lovers: Uber Visa Card Issued By Barclays

What we like: The Uber Visa Card pays the highest rewards on food categories. Cardholders will earn 4% back on dining, including Uber Eats; 3% back on hotel and airfare; 2% back on online purchases, including Uber and music streaming services; and 1% back on everything else. 

As a new cardholder, you’ll earn a $100 bonus (equivalent to 10,000 points) after spending $500 on purchases within the first 90 days. The bonus is redeemable for an Uber credit, statement credit, or gift cards.

There’s no annual fee, which is an excellent perk for a rewards credit card, and there’s no foreign transaction fee for the credit card. That means purchases you make in other currencies won’t be charged an additional fee.

In addition to the rewards and sign up bonus, you’ll get a $50 credit for online services after you spend $5,000 or more on your credit card in a year. On top of that, you’ll receive $600 for mobile phone damage or theft when you pay your bill with your credit card. That means you could ditch your cell phone carrier’s insurance plan and save money. (Plus earn rewards by paying your phone bill with your credit card.)

Redeem your points for Uber credits, gift cards, or cash back. Uber credits start at 500 points for $5. Only the primary cardholder can redeem points for Uber credits via the app.

What we don't like: The card has a potentially high APR which means you should pay your balance in full each month to avoid paying high finance charges.

  • Minimum Credit Required: Good
  • Annual Fee: None
  • Intro APR: None offered
  • Ongoing APR: 17.99% to 28.74% variable
  • Balance Transfer Fee: $10 or 3% of the transfer amount
  • Cash Advance Fee: $10 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Signup Bonus: $100 after spending $500 on purchases in the first 90 days

Check out some of the other best credit cards for restaurant lovers.

Best for Travel Lovers: Chase Sapphire Reserve

What we like: The Chase Sapphire Reserve pays 50,000 bonus points after spending $4,000 on purchases in the first three months of account opening. The bonus is worth $750 in travel when you redeem through Chase Ultimate Rewards.

Cardholders receive $300 annual travel credit redeemable for travel purchases made on the card.

You’ll earn 3 points per dollar on travel, including hotels, taxis, and trains; 3 points per dollar on dining worldwide; and 1 point per dollar on everything else.

Points you’ve earned are worth 50 percent more when you redeem them for travel purchases through Chase Ultimate Rewards, Chase’s booking tool. There are no blackout dates or restrictions on when you can redeem your rewards.

Chase Sapphire Reserve has a few other perks for cardholders:

  • Up to $100 application fee credit for Global Entry or TSA Precheck
  • Access to airport lounges
  • Special rental car privileges National Car Rental, Avis, and Silvercar when you book with your card

What we don't like: At $450 per year, the Chase Sapphire Reserve has one of the higher credit card annual fees. You’ll also have to pay $75 per year for each authorized user. The signup bonus and the travel statement credit make up for the annual fee for at least the first two years. For financial reasons, you need to be able to pay the annual fee in full the first month if you’re approved. Otherwise, you’ll end up paying interest on the fee.

  • Minimum Credit Required: Excellent
  • Annual Fee: $450 for the primary cardholder; $75 for additional authorized users
  • Intro APR: None offered
  • Ongoing APR: 19.24% to 26.24% variable
  • Balance Transfer Fee: $5 or 5% of the transfer amount
  • Cash Advance Fee: $10 or 5% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Signup Bonus: 50,000 bonus points after spending $4,000 on purchases in the first three months

Best No Annual Fee Travel: Blue Delta Skymiles American Express

What we like: The Blue Delta Skymiles American Express pays 10,000 bonus miles after making $500 in eligible purchases within the first three months of opening your credit card. Note that you may not be eligible for the signup bonus if you own another Delta Skymiles credit card.

Cardholders earn 2 miles per dollar on purchases at U.S. restaurants, 2 miles per dollar on Delta purchases, and 1 mile per dollar on all other eligible purchases. Certain restaurant purchases may not qualify for the 2 point reward tier, e.g. restaurants inside of hotels.

As a cardholder, you’ll enjoy 20 percent savings on in-flight purchases. Savings made in the form of a statement credit.

If you’re approved for an instant account number (based on Amex’s ability to verify your identity), you’ll receive a minimum $1,000 line of credit to use at Delta.com.

What we don't like: The Blue Delta Skymiles doesn't offer free checked bags for you or your traveling companions. You'll also pay a foreign transaction fee on any non-U.S. dollar purchases.

  • Minimum Credit Required: Good
  • Annual Fee: None
  • Intro APR: Not offered
  • Ongoing APR: 17.74% to 26.74% variable
  • Balance Transfer Fee: $5 or 3% of the transfer amount
  • Cash Advance Fee: $5 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: 2.7% of the purchase amount in U.S. dollars
  • Welcome Offer: 10,000 bonus miles after spending $500 on purchases in the first three months of opening your card

View details about this credit card.

Best for Shoppers: Amazon Prime Rewards Visa Signature Card

What we like: A survey of millennial spending habits shows that the generation is a fan of spending money on clothes. Their favorite retailer, Amazon. That makes the Amazon Prime Rewards Visa Signature Card a great choice.

When you’re approved, you’ll get a $70 Amazon.com gift card right away. There’s no spending requirement and you don’t have to wait 90 days to earn the bonus. Since your card is associated with your Amazon.com account, you can start using your credit card immediately once you’re approved.

Purchases made at Amazon.com and Whole Foods Market earn 5%. You'll also earn 2% back at restaurants, gas stations, and drugstores; and 1% back on all purchases.

You can redeem rewards on Amazon.com purchases. There’s no minimum rewards balance necessary for redeem.

Other benefits of the Amazon.com Prime Rewards Visa Signature Card include travel and emergency assistance, lost luggage reimbursement, purchase protection, and extended warranty protection.

What we don't like: You must have an eligible Amazon Prime membership to be eligible for the card. Annual membership is $119.

  • Minimum Credit Required: Good
  • Annual Fee: None
  • Intro APR: None offered
  • Ongoing APR: 16.49% to 24.49% variable
  • Balance Transfer Fee: $5 or 5% of the transfer amount
  • Cash Advance Fee: $10 or 5% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Signup Bonus: $70 Amazon.com Gift Card upon approval

Best for Simplicity: Citi Double Cash Card

What we like: The Citi Double Cash Card keeps it simple and offers an incentive for repaying the credit card balance. The card pays 1% rewards on all purchases and then another 1% as you pay off your balance. No other credit card gives an incentive for paying off your credit card.

If you accidentally forget to make a credit card payment, Citi will waive the first late fee. After that, you could be charged a late fee of up to $39. You'll also have Citi Private Pass, which gives special access to event tickets, like presale concert tickets. And, with Citi Price Rewind, you'll get an automatic price adjustment if the price drops on an item you purchased with your credit card within the past 60 days.

The Citi Double Cash Card has an introductory 0% balance transfer offer for 18 months. The balance transfer is a great perk, but since the transfer won't earn rewards, it's best to use this card for purchases that you pay in full each month.

What we don't like: Most other rewards credit cards offer a signup bonus as an incentive for new credit cardholders. The Citi Double Cash doesn't offer any incentive for new customers.

  • Minimum Credit Required: Good
  • Annual Fee: None
  • Intro APR: 0% on balance transfers for 18 months
  • Ongoing APR: 15.99-25.99% variable
  • Balance Transfer Fee: $5 or 3% of the transfer amount
  • Cash Advance Fee: $10 or 5% of the cash advance
  • Foreign Purchase Transaction Fee: 3% of the purchase amount in U.S. dollars
  • Signup Bonus: None offered

We are committed to researching and recommending the best financial solutions and products for our readers. Jacara has partnered with CardRatings and may receive commissions from links within our content, but these have no bearing on our reviews or recommendations. The above content has not been reviewed, endorsed, or approved by any card issuers prior to publishing.