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the apple credit card S tier is what I'd say if I was an idiot straight to F tier 1% cash back on the card is pathetic and they don't even offer you a welcome bonus not to mention that the perks are almost non existent and the most annoying part the card doesn't even tap at the register the Amex Blue Cash preferred C tier 6% cash back on groceries sounds amazing but then they put a spending cap that limits how much you can earn and don't forget the baby Amex still carries a $95 annual fee so it's still a solid credit card but it's not as great as people think the Capital One Saver A tier at a reasonable $95 annual fee this card is pretty underrated you get 3% back on dining 3% back on groceries and 3% back on entertainment so if that's where you spend most of your money this card becomes tough to beat the Southwest Rewards card D tier this card is built for one airline and one airline only so if you stop flying Southwest all the value disappears and the card still comes with a $150 annual fee so in a world where there are travel credit cards that let you book with any airline personally I'd rather have the flexibility the city double cash B tier you get 2% cash back on every purchase and that comes to you with no annual fee and with no categories to keep track of the card becomes pretty simple to use five years ago this was one of the best credit cards available but in today's world it's just slightly above average Chase Freedom Unlimited S tier this card comes with no annual fee and when you sign up they give you a strong welcome bonus you also get major cash back on everyday purchases like groceries and dining and when you factor in the 5% back on travel this card easily becomes the strongest no annual fee credit card in the game and if you like this content make sure to follow for more!