Sorted by starting price

6 Cheapest Credit Cards Overall of 2026

By the Rankozo research desk · Updated November 10, 2026

Among the 10 tools in our best credit cards overall ranking, Chase Sapphire Preferred has the lowest verified paid starting price at $95 annual fee. Prices below are quoted from each vendor's US pricing page.

1. 01

   Chase Sapphire Preferred

   Anyone who wants one card that earns well on everyday spending and travel for a modest fee.

   $95 annual fee

   Full entry, No. 1 overall

   Starts at

   $95

   Score 9.0

2. 02

   Citi Strata Premier Card

   Households that spend heavily on groceries and gas and want transferable points.

   $95 annual fee

   Full entry, No. 5 overall

   Starts at

   $95

   Score 8.6

3. 03

   Blue Cash Preferred Card from American Express

   Families with large supermarket and streaming bills who stay in the US.

   $0 intro annual fee for the first year, then $95 per year

   Full entry, No. 9 overall

   Starts at

   $95

   Score 8.3

4. 04

   American Express Gold Card

   Heavy restaurant and grocery spenders who will use the monthly dining and Uber credits.

   $325 annual fee for the Basic Card

   Full entry, No. 8 overall

   Starts at

   $325

   Score 8.3

5. 05

   Capital One Venture X Rewards

   Frequent travelers who want lounge access and a flat 2x on everything without juggling categories.

   $395 annual fee

   Full entry, No. 2 overall

   Starts at

   $395

   Score 8.9

6. 06

   Chase Sapphire Reserve

   Frequent travelers who will use the travel credit, hotel credits and lounges every year.

   $795 annual fee; $195 for each authorized user

   Full entry, No. 10 overall

   Starts at

   $795

   Score 8.1

Scores and prices come from our Best Credit Cards Overall ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com