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The best credit cards for January 2026
Chase Freedom Unlimited®
Best cash-back credit card
- Unlimited 1.5% cash back on all purchases
- 5% cash back on travel booked through Chase
- No annual fee
- Introductory 0% APR on purchases
Why it matters: This card is ideal for everybody spending, offering consistent cash back without categories or caps – perfect for long-term value and simplicity.