Rewarding credit card offers

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

com with your Blue Cash Preferred® Card. Best for no-frills cash-back rewards. Citi Double Cash® Card. To earn cash back, pay at least the minimum due on time. Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible.

After that, the variable APR of After that, the variable APR will be Balance Transfers do not earn cash back. Intro APR does not apply to purchases.

If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance including balance transfers by the due date each month.

Best for bonus categories. Chase Freedom Unlimited®. Intro Offer Open Intro bonus Earn an extra 1. That's 6. Why We Chose It The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.

Pros At least 1. INTRO OFFER: Earn an additional 1. Enjoy 6. No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.

checking and savings accounts. Cash Back rewards do not expire as long as your account is open! No annual fee — You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Best for travel rewards beginners. Bank of America® Travel Rewards credit card. at Bank of America's secure site. Why We Chose It The Bank of America Travel Rewards credit card is a great starter card thanks to its no annual fee and no foreign transaction fees when you travel internationally.

Pros 1. Cons Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One. No travel and purchase protections. Earn unlimited 1. Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.

Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.

That means instead of earning an unlimited 1. Contactless Cards - The security of a chip card, with the convenience of a tap. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for no annual fee. at Wells Fargo's secure site. Rewards rate 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Why We Chose It The Wells Fargo Autograph card packs a punch for a no-annual-fee product, with an array of bonus categories plus solid perks and straightforward redemption options.

Pros This card offers 3 points per dollar on various everyday purchases with no annual fee. It also comes with a 20,point welcome bonus and an introductory APR offer on purchases. Cons Despite the lucrative earning structure, Wells Fargo doesn't offer any ways to maximize your redemptions — you're limited to fixed-value rewards like gift cards and statement credits.

Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions. Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans.

Plus, earn 1X points on other purchases. Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

BEST FOR CASH BACK. Best for entertainment rewards. Capital One SavorOne Cash Rewards Credit Card. Why We Chose It The Capital One SavorOne is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee.

No fee for amounts transferred at the Transfer APR. Best for travel perks. The Business Platinum Card® from American Express. Rewards rate 5X 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.

com 1. Why We Chose It The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips.

International Airline Program; and Cruise Privileges Program. Limited high bonus categories outside of travel. com, and 1X points for each dollar you spend on eligible purchases. Earn 1. wireless service providers.

The American Express Global Lounge Collection® can provide an escape at the airport. Best for flat-rate earning. Wells Fargo Active Cash® Card. Other cash rewards cards can offer better welcome bonuses.

No categories to track or remember and cash rewards don't expire as long as your account remains open. Best for cash back beginners.

Blue Cash Everyday® Card from American Express. Why We Chose It The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. No annual fee. supermarket bonus category, which may not work for those with larger annual grocery spend.

No Annual Fee. Balance Transfer is back! After that, Comparing the best rewards credit cards Credit card. Apply Now. beginner travelers. Open Rewards rates 5x 5x on travel purchased through Chase Ultimate Rewards® 3x 3x on dining.

airline rewards. Open Rewards rates 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel 2 Miles 2 Miles per dollar on every purchase, every day. luxury benefits. dining rewards at restaurants. Open Rewards rates 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.

Open Rewards rates 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel 5 Miles 5 Miles per dollar on flights booked through Capital One Travel 2 Miles 2 Miles per dollar on every purchase, every day.

maximizing business purchases. starter travel. Open Rewards rates 1. no-frills cash-back rewards. bonus categories. travel rewards beginners. no annual fee. Open Rewards rates 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

entertainment rewards. travel perks. Open Rewards rates 5X 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel. flat-rate earning.

cash back beginners. Chase Sapphire Preferred® Card What we love Who it's for Why it's in my wallet Alternatives. Capital One Venture Rewards Credit Card What we love Who it's for Why it's in my wallet Alternatives.

The Platinum Card® from American Express What we love Who it's for Why it's in my wallet Alternatives. American Express® Gold Card What we love Who it's for Why it's in my wallet Alternatives. Capital One Venture X Rewards Credit Card What we love Who it's for Why it's in my wallet Alternatives.

Ink Business Preferred® Credit Card What we love Who it's for Why it's in my wallet Alternatives. Citi Premier® Card What we love Who it's for Why it's in my wallet Alternatives. Ink Business Unlimited® Credit Card What we love Who it's for Why it's in my wallet Alternatives.

Blue Cash Preferred® Card from American Express What we love Who it's for Why it's in my wallet Alternatives. Citi Double Cash® Card What we love Who it's for Why it's in my wallet Alternatives. Chase Freedom Unlimited® What we love Who it's for Why it's in my wallet Alternatives.

Bank of America® Travel Rewards credit card What we love Who it's for Why it's in my wallet Alternatives. Capital One SavorOne Cash Rewards Credit Card What we love Who it's for Why it should be in your wallet Alternatives. The Business Platinum Card® from American Express What we love Who it's for Why it's in my wallet Alternatives.

Wells Fargo Active Cash® Card What we love Who it's for Why it's in my wallet Alternatives. Blue Cash Everyday® Card from American Express What we love Who it's for Why it should be in your wallet Alternatives.

Read our review. Maximizing rewards credit cards Have a reward strategy in mind Choosing the best rewards credit card and then maximizing the rewards you earn will vary depending on your personal goal s.

Go from points and miles newbie to booking your first award trip in just one month with this email series. Maximize your spending, earn more rewards and get recommendations for cards that fit best in your wallet. Know the value of your rewards and redemption options How you redeem your rewards is a critical part of your reward strategy and can further increase the value of the points.

Read: How to redeem Chase Ultimate Rewards points for maximum value. How we rate cards Our best rewards credit cards were handpicked by our editorial team and their wide breadth of knowledge. We placed heavy emphasis on earning rates and redemption options to ensure the picks were reflective of optimized reward earnings.

Other factors such as welcome bonus and annual fees were also taken into consideration. More on rewards credit cards What is a rewards credit card? What types of credit card rewards can you get? How to redeem credit card rewards Once you have decided on your rewards credit card and earned the welcome bonus, it is time to see what you can do with those credit card rewards.

What are credit card points or miles worth? What are the most popular credit card rewards programs? Chase Ultimate Rewards Chase Ultimate Rewards is one of the top rewards programs for good reason.

Top cards that earn Ultimate Rewards points: Chase Sapphire Reserve Chase Sapphire Preferred Card Ink Business Preferred Credit Card American Express Membership Rewards Another top rewards program is American Express Membership Rewards , where points are also valued at 2 cents each when used with travel partners.

Top cards that earn Capital One miles: Capital One Venture X Rewards Credit Card Capital One Venture Rewards Credit Card Capital One VentureOne Rewards Credit Card Capital One Spark Miles for Business Capital One Spark Miles Select for Business The information for the Capital One Spark Miles Select for Business has been collected independently by The Points Guy.

Cash-back rewards cards honorable mentions Not all rewards cards require transfer partners. Top cards that earn cash back: Wells Fargo Active Cash® Card Blue Cash Preferred Card from American Express Citi Custom Cash® Card Chase Freedom Unlimited Bank of America® Customized Cash Rewards credit card Citi Double Cash® Card.

When determining which rewards credit card is right for you, consider how applicable the rewards type, earning rates, annual fee and benefits are to your lifestyle.

Ideally, you want to choose a card that will provide both a great welcome bonus and long-term value. Here are some of the main points to consider when choosing a rewards credit card:. Find my match. Ask our experts What's your favorite rewards credit card — and why?

Lucrative earning rates. Extensive 3x bonus categories. I appreciate the card's earning rate of 3 points per dollar spent at restaurants, gas stations, supermarkets, air travel and hotels.

Plus, I can transfer my Citi ThankYou points to a variety of loyalty programs. Earn points and save on fees. With its excellent earning rates and no foreign transaction fee, it's the perfect travel companion for an avid international traveler like myself. Frequently asked questions How do credit card rewards work?

What can I do with credit card rewards? What is the best credit card for rewards? Are credit card rewards taxable? Are credit card rewards worth it? Do credit card rewards expire? What are fixed-rate rewards credit cards?

What is a bonus category for credit cards? Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Earn 4X Membership Rewards® points at U. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

See details Apply Now Apply for Chase Sapphire Preferred® Card Chase Sapphire Preferred® Card 4. Back to Main Menu Home Equity. Back to Main Menu Mortgages. Back to Main Menu Loans. Back to Main Menu Insurance.

Back to Main Menu Personal Finance. Table of Contents In this article Jump to. Best rewards credit cards What is a rewards credit card? Pros and cons of a rewards credit card How to choose the best rewards credit card Types of rewards credit cards What experts are saying about rewards credit cards How to get the most out of your credit card rewards Is a rewards credit card right for you?

Alternatives to rewards credit cards How to apply for a rewards card FAQs Other credit cards we tested Our methodology. How we rate credit cards.

Advertiser Disclosure. Advertiser Disclosure CNET editors independently choose every product and service we cover. Money Credit Cards. Written by Evan Zimmer Evan Zimmer Staff Writer. Courtney Johnston Courtney Johnston Editor. Edited by Jaclyn DeJohn Jaclyn DeJohn Editor.

Reviewed by Julia Menez Julia Menez Credit card expert and host of the Geobreeze Travel Podcast. Updated Feb. Written by Evan Zimmer, Evan Zimmer Staff Writer.

CNET'S PICK. CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors.

Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market.

Credit card issuers have no say or influence in our ratings. Learn More. Best travel rewards card Chase Sapphire Preferred® Card.

Rewards Rate 2x - 5x 5x on travel purchased through Chase Ultimate Rewards®; 3x on dining. To earn cash back, pay at least the minimum due on time.

A well-rounded rewards card Chase Freedom Unlimited®. Rewards Rate 1. Rewards Rate 3x - 4x Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U. Rewards for dining and entertainment Capital One Savor Cash Rewards Credit Card. A rewarding travel card Capital One Venture Rewards Credit Card.

Rewards Rate 2x - 5x Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options; Earn unlimited 2X miles on every purchase, every day.

Lucrative for your first year Discover it® Cash Back. Intro offer available Intro Offer: Unlimited Cashback Match - only from Discover.

Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Rewards Rate 1x - 3x Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

A top-tier travel companion Chase Sapphire Reserve®. Rewards Rate 1x - 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.

Average rewards with good features Capital One Quicksilver Cash Rewards Credit Card. Terms apply; Earn unlimited 1. Rewards Rate 1x - 2x Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery in the U.

and at U. A strong choice for eating out Capital One SavorOne Cash Rewards Credit Card. A high-end travel card Capital One Venture X Rewards Credit Card. Rewards Rate 2x - 10x Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel.

A great no-annual-fee travel card Capital One VentureOne Rewards Credit Card. Show More Show Less. The best rewards credit card Wells Fargo Active Cash® Card 9. Apply Now with Wells Fargo. How to choose the best rewards card When comparing rewards cards, analyze your spending habits to figure out which type of card will serve you best.

Table of Contents Best rewards credit cards What is a rewards credit card? The best rewards credit card Wells Fargo Active Cash® Card. Apply Now. Intro Offer. Annual Fee. Rewards Rate. It does not necessarily guarantee approval for any financial product.

Our Take Additional Details Rewards Rate. Great for essential spending Blue Cash Preferred® Card from American Express. Apply Now with American Express. Our Take Terms apply to American Express benefits and offers. Rewards Rate 5x. A strong balance transfer rewards card Citi Double Cash® Card.

Apply Now with Citi. Our Take The Citi Double Cash offers one of the best rewards rates for a credit card without an annual fee. For dining and travel American Express® Gold Card. Our Take The Amex Gold Card is best for cooks and restaurant aficionados who love to travel.

Rewards Rate 4x. Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U. Earn 4X Membership Rewards® points at U. Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.

Rewards Rate 3x. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Rewards Rate 10x. Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®. A flexible rewards card Citi Custom Cash® Card.

Our Take The Citi Custom Cash card offers more rewards flexibility than most credit cards, combined with one of the best cash-back rates for a credit card with no annual fee. Terms apply. Good dining rewards for Delta customers Delta SkyMiles® Gold American Express Card.

After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value such as annual credits or bonuses stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards.

We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

Have more questions for our credit card editors? Feel free to send us an email , find us on Facebook , or Tweet us Bankrate. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Generally, rewards are not considered taxable since the IRS considers the rewards to be a form of rebate on the purchase. Though uncommon, under certain circumstances, rewards may be taxable.

You typically need good to excellent credit FICO score and higher to qualify for a competitive rewards card. Premium travel cards might require an excellent credit score FICO score of and above.

You can also find rewards cards for people with fair credit , but the rewards and perks might be limited. As someone who travels a lot, I focus on travel rewards, mostly hotel accommodations, with no hotel brand affinity. The points can also be used to purchase trips on the site, and points are earned on those purchases as well.

I also use the Upromise. com browser extension that lets you know when you can earn an additional 5 percent cash back shopping online that goes automatically into a college savings account. Most people focus their credit card strategy on how to earn the most points possible and then later think about what they might be able to redeem them for.

I think this is backwards. This is much more motivating. I spend naturally, but use my credit cards for almost every expense. I don't look at how many rewards I have earned monthly because I like being surprised by how many I have to redeem.

We use primary sources to support our work. How it could shake the economy " CNBC. Accessed Jan. Credit Card Satisfaction Study. Accessed on Jan. Credit Cards Rewards Advertiser Disclosure Advertiser Disclosure Bankrate. Garrett Yarbrough. Written by Garrett Yarbrough Arrow Right Writer, Credit Cards.

Nouri Zarrugh. Edited by Nouri Zarrugh Arrow Right Senior Editor, Credit Cards. Jason Steele. Reviewed by Jason Steele Arrow Right Former contributor, Credit Cards. Credit Card Search View card list Menu List Table of contents Why choose Bankrate Caret Down User We helped over , users compare rewards cards in Circle Check We valued and compared over 50 rewards programs.

Lightbulb Over 47 years of experience helping people make smart financial decisions. The Bankrate Promise. User We helped over , users compare rewards cards in Why choose Bankrate The Bankrate Promise. The Bankrate Promise At Bankrate we strive to help you make smarter financial decisions.

View card list Collapse Caret Up. Table of contents Collapse Caret Up. Increase your odds of finding the perfect card. Increase your odds of finding the perfect card 1 in 3 people w ho try approval odds find a card they like.

See your approval odds. Best for food and entertainment. Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card. Rating: 5 stars out of 5. Bankrate review. appOddsOn { aoProduct.

Apply now Lock. Apply now Lock on Capital One's secure site. Intro offer. Annual fee. Regular APR. It offers automatic cash back redemption — a relatively rare option that can make the rewards experience even easier. You can redeem cash rewards on Amazon. com, but there is a list of restricted items.

Best for for flat-rate travel rewards. Capital One Venture Rewards Credit Card Capital One Venture Rewards Credit Card.

Rating: 4. Rewards details Caret Down 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel 2 Miles 2 Miles per dollar on every purchase, every day.

Pros According to Bankrate's valuations , each mile is worth on average 2 cents if redeemed through a Capital One transfer partner — great value for a flat-rate card. You can take advantage of statement credits for valuable perks like expedited security screening, making the already-low annual fee easy to offset.

Cons The welcome offer has a high spend requirement, so it may not be easy to attain. Some competitors provide more eye-catching perks like annual hotel credits, account anniversary bonus points and ridesharing perks. Best for flat-rate cash rewards.

Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card. Apply now Lock on Wells Fargo's secure site. Pros Paying your monthly cellphone bill with your card earns you cellphone protection, a relatively valuable perk.

Cons Though it comes with Visa Signature® features, the Active Cash card's extra perks are otherwise limited. You cannot transfer rewards to airline or hotel loyalty programs and can only redeem through Wells Fargo.

Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.

No categories to track or remember and cash rewards don't expire as long as your account remains open. BEST FOR EVERYDAY TRAVEL. Rating: 4 stars out of 5.

Rewards details Caret Down 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

Pros It's a great standalone card with everyday bonus categories like restaurants and gas coupled with harder-to-find extras like cell phone protection plans. The introductory purchase APR could be a big help if you need to chip away at the cost of a trip or other large purchases over time.

Frequent travelers hoping for perks like airport lounge access or credits for expedited security will likely get more value out of another card.

Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases. Redeem your rewards points for travel, gift cards, or statement credits.

Or shop at millions of online stores and redeem your rewards when you check out with PayPal. Best for luxury travel. The Platinum Card® from American Express The Platinum Card® from American Express.

Apply now Lock on American Express's secure site. Carries perhaps the most comprehensive lounge access, hotel privileges and travel benefits of any mainstream personal card.

Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. The Hotel Collection requires a minimum two-night stay. Enrollment required. Plus Up Benefits are excluded. Uber Cash and Uber VIP status is available to Basic Card Member only.

Learn more. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost. com on your Platinum Card®. Must charge full price of bike in one transaction. Shipping available in the contiguous U.

Enrollment Required. Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile. Terms Apply. Best for occasional travel. Citi Premier® Card Citi Premier® Card. Apply now Lock on Citi's secure site.

Pros Its restaurant, supermarket and gas station rewards categories can outperform rival flat-rate travel cards, making it easy for the average spender to offset the annual fee.

You can pair it with other Citi ThankYou cards for optimal travel rewards value. You can also redeem points for cash back at the same value as for travel — an option that typically requires sacrificing reward value. Unless you plan to leverage travel transfer partners, your point value is stuck at only 1 cent per point.

com No expiration and no limit to the amount of points you can earn with this card No Foreign Transaction Fees on purchases. BEST FOR SAVERS. Bank of America® Premium Rewards® credit card Bank of America® Premium Rewards® credit card.

Apply now Lock on Bank of America's secure site. The current welcome offer could cover the cost of a quick trip, depending on your airline of choice. To get the most out of this card, you need to have eligible savings or investment accounts with Bank of America or Merrill Lynch. No limit to the points you can earn and your points don't expire as long as your account remains open.

That means you could earn 2. Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.

Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage. No foreign transaction fees.

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now. Best for groceries. Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express.

Pros The card also offers unlimited 6 percent back on select U. streaming subscriptions — one of the best rates available in that category. Few premium cards offer intro APR periods, but this card provides an intro APR on purchases and balance transfers — handy for chipping away at the cost of large expenses over time.

Cons Your only redemption options are statement credits, gift cards or merchandise. Purchases at wholesale clubs, superstores like Walmart , and specialty stores bakeries, farmers markets, etc. supermarket bonus category and only earn 1 percent back.

Plans created after that will have a monthly plan fee up to 1. After that, your APR will be a variable APR of Variable APRs will not exceed Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.

com checkout. com with your Blue Cash Preferred® Card. Best starter travel card. Chase Sapphire Preferred® Card Chase Sapphire Preferred® Card. Apply now Lock on Chase's secure site.

Rewards details Caret Down 5x 5x on travel purchased through Chase Ultimate Rewards® 3x 3x on dining 2x 2x on all other travel purchases, plus more. Pros Its annual hotel statement credits and anniversary points bonus can carry enough value to easily justify the annual fee.

Ultimate Rewards points are some of the most valuable rewards out there: You can redeem for cash back at a value of 1 cent per point, transfer to an airline or hotel partner or book with Chase to get a percent boost to your point value.

The card's grocery rewards rate only applies to eligible online grocery purchases, which could limit its appeal as a standalone option for everyday rewards. Member FDIC. Best for affordable travel perks. Capital One Venture X Rewards Credit Card Capital One Venture X Rewards Credit Card.

Rewards details Caret Down 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel 5 Miles 5 Miles per dollar on flights booked through Capital One Travel 2 Miles 2 Miles per dollar on every purchase, every day. Best for category variety.

Discover it® Cash Back Discover it® Cash Back. Apply now Lock on Discover's secure site. Its rotating bonus category variety is nearly unmatched, typically including everything from groceries to online shopping. Cons You must activate and track your bonus categories each quarter, which could make the card too high-maintenance for some applicants.

The card carries hardly any additional features like travel insurance or other credits beyond its rewards and low rates and fees. It has a quarterly spending cap for bonus categories. Redeem your rewards for cash at any time. Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data.

Then No annual fee. Terms and conditions apply. Best starter rewards card.

U.S. News' Best Rewards Credit Cards of February · United Gateway℠ Card · Discover it® Cash Back · Chase Freedom Unlimited® · Chase Sapphire Preferred® 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best

17 best rewards credit cards of February 2024

U.S. News' Best Rewards Credit Cards of February · United Gateway℠ Card · Discover it® Cash Back · Chase Freedom Unlimited® · Chase Sapphire Preferred® Best Rewards Credit Cards · Capital One SavorOne Cash Rewards Credit Card: Best for entertainment · Capital One Venture Rewards Credit Card: Best for flexible 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit: Rewarding credit card offers
















The American Express® Payday debt relief Card Score Monitor Alerts a stellar for dining, grocery and travel purchases, credig well as statement credits that Financial support services offres entirely offset its annual fee Rewarving rates Rewarding credit card offers fees. The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. Cardholders can also enroll for three complimentary months of DashPass activate by Dec. General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses. But you have to be organized. Best for customizable bonus categories. Earn points when you make 5 transactions that post each statement period. Rating: 3. gas station purchases make it a more well-rounded card. It's easy to rack up the points when you're purchasing everyday items. Cash back vs. U.S. News' Best Rewards Credit Cards of February · United Gateway℠ Card · Discover it® Cash Back · Chase Freedom Unlimited® · Chase Sapphire Preferred® 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best The best cash back cards on the market offer high cash back rates and flexible reward categories, letting you earn anywhere from 1 percent to 6 Earn cash back for every purchase. Earn 5% cash back on up to $1, on combined purchases in bonus categories each quarter you activate. Plus, earn 5% cash Here's a list of the best rewards credit cards the team at LendEDU has selected to help you find the right match NerdWallet's Best Rewards Credit Cards of February ; Chase Freedom Unlimited®: Best for Cash back — bonus categories + high ongoing rate Best rewards credit cards of February · Best rewards credit card: American Express® Gold Card · Best for welcome bonus: Capital One Venture Our top recommendations for the best rewards credit card · Best for beginners: Chase Sapphire Preferred® Card · Chase Sapphire Preferred® Card · Chase Sapphire Rewarding credit card offers
Rewarding credit card offers flat rate of up to 2 percent back offes percent when Online loan options buy, 1 percent when you Rewrading off Rewaridng is hard to crecit. When a rewards xredit is a good idea A rewards card might be Cxrd beneficial in these situations: You travel often or prefer to redeem rewards mainly for travel: Whether you're already a frequent flyer or want to earn points and miles on everyday purchases as an occasional traveler, a travel card can help cut costs for your next trip. Some competitors provide more eye-catching perks like annual hotel credits, account anniversary bonus points and ridesharing perks. Even better is the fact that you can change your pick once per calendar month to match your spending habits. Apply now Lock on USAA's secure site. As rewards stack up, you can earn free nights and become eligible for room upgrades, free breakfast and status boosts. Check your credit score This should be your starting point. Don't want to pay your credit card's annual fee? Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers. Contrast this with the bonuses you can sometimes earn for opening a checking or savings account at a particular bank. U.S. News' Best Rewards Credit Cards of February · United Gateway℠ Card · Discover it® Cash Back · Chase Freedom Unlimited® · Chase Sapphire Preferred® 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best U.S. News' Best Rewards Credit Cards of February · United Gateway℠ Card · Discover it® Cash Back · Chase Freedom Unlimited® · Chase Sapphire Preferred® Best for transferable rewards: Chase Sapphire Preferred® Card · 5x points on travel purchased through Chase Ultimate Rewards (not including Why We Like It: The Chase Sapphire Preferred® Card is the best travel rewards credit card right now because it offers a great initial bonus and U.S. News' Best Rewards Credit Cards of February · United Gateway℠ Card · Discover it® Cash Back · Chase Freedom Unlimited® · Chase Sapphire Preferred® 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best Rewarding credit card offers
Discover Rewareing Student Cash Back. We analyzed over credit cards and Credit score goals are the cerdit sign-on bonuses to maximize your rewards. Best for beginner travelers. com mortgage in a new window Home equity Opens Chase. Despite the term "cash back," most people don't actually take their cash-back rewards in the form of, well, cash back. Biggest drawbacks : There are limited transfer options for people traveling stateside. empty checkbox Compare the World of Hyatt Credit Card checkmark Comparing the World of Hyatt Credit Card 0 of 3 cards button disabled Compare Opens compare popup dialog. Our pick for Chase Ultimate Rewards® points. empty checkbox Compare the Southwest Rapid Rewards ® Premier Business Credit Card checkmark Comparing the Southwest Rapid Rewards ® Premier Business Credit Card 0 of 3 cards button disabled Compare Opens compare popup dialog. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. com and has not been reviewed by the issuer. Best starter rewards card. U.S. News' Best Rewards Credit Cards of February · United Gateway℠ Card · Discover it® Cash Back · Chase Freedom Unlimited® · Chase Sapphire Preferred® 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best The best rewards credit cards make it easy to earn points, miles and cash back without overspending. Read our in-depth analysis of the top Why We Like It: The Chase Sapphire Preferred® Card is the best travel rewards credit card right now because it offers a great initial bonus and These cards offer rewards on everyday expenses, which is just what you need when prices are still on the high side. To choose the cash back that's just the Wells Fargo Active Cash® Card: Best for $ cash rewards bonus ; Chase Sapphire Preferred® Card: Best for Chase Ultimate Rewards® points ; U.S Find a card that earns cash back, a welcome bonus or other rewards. Compare best offers of and get rewarded for your spending The best rewards credit cards make it easy to earn points, miles and cash back without overspending. Read our in-depth analysis of the top Rewarding credit card offers
The compensation we Creditworthiness implications of defaults may Rewardign how products Rewardjng links appear on our site. Is cash back better than Rewardung Each card is Payday debt relief evaluated through Rewarding credit card offers formula which reflects cgedit standards and Financial support services of the contemporary market. Can you combine credit card points? empty checkbox Compare the World of Hyatt Business Credit Card checkmark Comparing the World of Hyatt Business Credit Card 0 of 3 cards button disabled Compare Opens compare popup dialog. Gold Card members can also participate in Amex Offers, which allow targeted cardholders to earn statement credits or bonus Membership Rewards® points at select retailers.

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Why Can't I Use Credit Cards If I Pay Them Off Every Month

Rewarding credit card offers - Our top recommendations for the best rewards credit card · Best for beginners: Chase Sapphire Preferred® Card · Chase Sapphire Preferred® Card · Chase Sapphire U.S. News' Best Rewards Credit Cards of February · United Gateway℠ Card · Discover it® Cash Back · Chase Freedom Unlimited® · Chase Sapphire Preferred® 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best

Combine a card that earns rewards in your highest spending category with a supporting flat-rate card. This is an excellent way to ensure you earn rewards on all of your key purchases, including those that fall outside of typical credit card bonus categories.

When evaluating the best rewards cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks.

Whenever possible, we also feature cards that are available at various credit levels and price points.

In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories. We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs. With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking. We also score cards based on how much it costs to keep them in your wallet or carry a balance. To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards.

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee.

After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value such as annual credits or bonuses stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks. Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards?

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards.

We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks. Have more questions for our credit card editors? Feel free to send us an email , find us on Facebook , or Tweet us Bankrate.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply. Generally, rewards are not considered taxable since the IRS considers the rewards to be a form of rebate on the purchase.

Though uncommon, under certain circumstances, rewards may be taxable. You typically need good to excellent credit FICO score and higher to qualify for a competitive rewards card. Premium travel cards might require an excellent credit score FICO score of and above.

You can also find rewards cards for people with fair credit , but the rewards and perks might be limited. As someone who travels a lot, I focus on travel rewards, mostly hotel accommodations, with no hotel brand affinity.

The points can also be used to purchase trips on the site, and points are earned on those purchases as well. I also use the Upromise. com browser extension that lets you know when you can earn an additional 5 percent cash back shopping online that goes automatically into a college savings account.

Most people focus their credit card strategy on how to earn the most points possible and then later think about what they might be able to redeem them for. I think this is backwards. This is much more motivating. I spend naturally, but use my credit cards for almost every expense.

I don't look at how many rewards I have earned monthly because I like being surprised by how many I have to redeem. We use primary sources to support our work. How it could shake the economy " CNBC. Accessed Jan. Credit Card Satisfaction Study.

Accessed on Jan. Credit Cards Rewards Advertiser Disclosure Advertiser Disclosure Bankrate. Garrett Yarbrough. Written by Garrett Yarbrough Arrow Right Writer, Credit Cards. Nouri Zarrugh. Edited by Nouri Zarrugh Arrow Right Senior Editor, Credit Cards. Jason Steele. Reviewed by Jason Steele Arrow Right Former contributor, Credit Cards.

Credit Card Search View card list Menu List Table of contents Why choose Bankrate Caret Down User We helped over , users compare rewards cards in Circle Check We valued and compared over 50 rewards programs. Lightbulb Over 47 years of experience helping people make smart financial decisions.

The Bankrate Promise. User We helped over , users compare rewards cards in Why choose Bankrate The Bankrate Promise. The Bankrate Promise At Bankrate we strive to help you make smarter financial decisions. View card list Collapse Caret Up. Table of contents Collapse Caret Up. Increase your odds of finding the perfect card.

Increase your odds of finding the perfect card 1 in 3 people w ho try approval odds find a card they like. See your approval odds.

Best for food and entertainment. Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card.

Rating: 5 stars out of 5. Bankrate review. appOddsOn { aoProduct. Apply now Lock. Apply now Lock on Capital One's secure site. Intro offer. Annual fee. Regular APR. It offers automatic cash back redemption — a relatively rare option that can make the rewards experience even easier.

You can redeem cash rewards on Amazon. com, but there is a list of restricted items. Best for for flat-rate travel rewards. Capital One Venture Rewards Credit Card Capital One Venture Rewards Credit Card.

Rating: 4. Rewards details Caret Down 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel 2 Miles 2 Miles per dollar on every purchase, every day. Pros According to Bankrate's valuations , each mile is worth on average 2 cents if redeemed through a Capital One transfer partner — great value for a flat-rate card.

You can take advantage of statement credits for valuable perks like expedited security screening, making the already-low annual fee easy to offset. Cons The welcome offer has a high spend requirement, so it may not be easy to attain. Some competitors provide more eye-catching perks like annual hotel credits, account anniversary bonus points and ridesharing perks.

Best for flat-rate cash rewards. Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card. Apply now Lock on Wells Fargo's secure site. Pros Paying your monthly cellphone bill with your card earns you cellphone protection, a relatively valuable perk.

Cons Though it comes with Visa Signature® features, the Active Cash card's extra perks are otherwise limited. You cannot transfer rewards to airline or hotel loyalty programs and can only redeem through Wells Fargo. Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.

No categories to track or remember and cash rewards don't expire as long as your account remains open. BEST FOR EVERYDAY TRAVEL. Rating: 4 stars out of 5. Rewards details Caret Down 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

Pros It's a great standalone card with everyday bonus categories like restaurants and gas coupled with harder-to-find extras like cell phone protection plans.

The introductory purchase APR could be a big help if you need to chip away at the cost of a trip or other large purchases over time. Frequent travelers hoping for perks like airport lounge access or credits for expedited security will likely get more value out of another card.

Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases. Redeem your rewards points for travel, gift cards, or statement credits.

Or shop at millions of online stores and redeem your rewards when you check out with PayPal. Best for luxury travel. The Platinum Card® from American Express The Platinum Card® from American Express.

Apply now Lock on American Express's secure site. Carries perhaps the most comprehensive lounge access, hotel privileges and travel benefits of any mainstream personal card. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

The Hotel Collection requires a minimum two-night stay. Enrollment required. Plus Up Benefits are excluded. Uber Cash and Uber VIP status is available to Basic Card Member only. Learn more. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.

com on your Platinum Card®. Must charge full price of bike in one transaction. Shipping available in the contiguous U. Enrollment Required. Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.

Terms Apply. Best for occasional travel. Citi Premier® Card Citi Premier® Card. Apply now Lock on Citi's secure site. Pros Its restaurant, supermarket and gas station rewards categories can outperform rival flat-rate travel cards, making it easy for the average spender to offset the annual fee.

You can pair it with other Citi ThankYou cards for optimal travel rewards value. You can also redeem points for cash back at the same value as for travel — an option that typically requires sacrificing reward value.

Unless you plan to leverage travel transfer partners, your point value is stuck at only 1 cent per point.

com No expiration and no limit to the amount of points you can earn with this card No Foreign Transaction Fees on purchases.

BEST FOR SAVERS. Bank of America® Premium Rewards® credit card Bank of America® Premium Rewards® credit card.

Apply now Lock on Bank of America's secure site. The current welcome offer could cover the cost of a quick trip, depending on your airline of choice.

To get the most out of this card, you need to have eligible savings or investment accounts with Bank of America or Merrill Lynch.

No limit to the points you can earn and your points don't expire as long as your account remains open. That means you could earn 2. Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.

Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage. No foreign transaction fees. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center.

You can take advantage of this offer when you apply now. Best for groceries. Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express.

Pros The card also offers unlimited 6 percent back on select U. streaming subscriptions — one of the best rates available in that category. Few premium cards offer intro APR periods, but this card provides an intro APR on purchases and balance transfers — handy for chipping away at the cost of large expenses over time.

Cons Your only redemption options are statement credits, gift cards or merchandise. Purchases at wholesale clubs, superstores like Walmart , and specialty stores bakeries, farmers markets, etc.

supermarket bonus category and only earn 1 percent back. Plans created after that will have a monthly plan fee up to 1.

After that, your APR will be a variable APR of Variable APRs will not exceed Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon. com checkout. com with your Blue Cash Preferred® Card.

Best starter travel card. Chase Sapphire Preferred® Card Chase Sapphire Preferred® Card. Apply now Lock on Chase's secure site. Rewards details Caret Down 5x 5x on travel purchased through Chase Ultimate Rewards® 3x 3x on dining 2x 2x on all other travel purchases, plus more.

Pros Its annual hotel statement credits and anniversary points bonus can carry enough value to easily justify the annual fee. Ultimate Rewards points are some of the most valuable rewards out there: You can redeem for cash back at a value of 1 cent per point, transfer to an airline or hotel partner or book with Chase to get a percent boost to your point value.

The card's grocery rewards rate only applies to eligible online grocery purchases, which could limit its appeal as a standalone option for everyday rewards.

Member FDIC. Best for affordable travel perks. Capital One Venture X Rewards Credit Card Capital One Venture X Rewards Credit Card. Rewards details Caret Down 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel 5 Miles 5 Miles per dollar on flights booked through Capital One Travel 2 Miles 2 Miles per dollar on every purchase, every day.

Best for category variety. A combination of cards will allow you to maximize your cash back opportunities when making purchases. Shopping portals are common on many cash back cards. When I first got into rewards strategy, I went a little overboard, carrying a card for every spending category I could think of, constantly switching based on where I was shopping or which bonus category was available in a given quarter.

I even had a spreadsheet I used to track my purchases and cash back earnings. It eventually became a headache, though. Now I take a more streamlined approach, focusing on a few key spending categories as I try to strike a balance between high earnings and low maintenance.

Is my stack perfect? Definitely not. I still have a co-branded airline card, a rotating category card and a specific online retailer card sitting around, and using them could help me squeeze a little more earnings out of my purchases.

But for now, five cards is plenty to juggle. People who spend across a wide variety of categories can often combine cards from the same issuer for greater effect. For example, by having a Chase Freedom Flex, Chase Freedom Unlimited and a Chase Sapphire card, you can use the Chase Trifecta 's bonus categories to maximize rewards.

Americans are starting off by breaking records, though not the kind we should celebrate. Credit card delinquency remains low, according to the Fed, but carrying a balance for any length of time usually means people are paying more for their purchases than the purchase price.

Pay your balances in full and on time at the end of each statement period to avoid carrying interest on your account. This could help you move towards using your cards as a financial tool and not a crutch. When evaluating the best cash back cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks.

Whenever possible, we also feature cards that are available at various credit levels and price points. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories. We also estimate the redemption value of points or miles from various rewards programs.

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards. The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

We also score cards based on how much it costs to keep them in your wallet or carry a balance. To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards.

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee.

After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value such as annual credits or bonuses stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards.

We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks. Have more questions for our credit cards editors?

Feel free to send us an email , find us on Facebook , or Tweet us Bankrate. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product.

See the respective Guide to Benefits for details, as terms and exclusions apply. The card details have not been reviewed or approved by the card issuer. The right credit card for you will depend on your spending habits and the perks that matter most to you. Travel cards are great for people who know they want to redeem rewards for travel expenses like airline and hotel bookings.

Travel cards also make sense if you want perks like hotel or airline elite status, free checked bags , free hotel stays or airport lounge access.

But even some of the best travel credit cards for beginners charge an annual fee, and the fee for premium travel cards that offer luxury perks can be quite high. Cash back cards can be simpler to use and offer more flexibility in how you can earn and redeem rewards, with some allowing you to use rewards for cash back, travel spending and more.

You may not receive cold, hard cash, but issuers offer redemption options like a direct deposit into a checking account, mailed checks, statement credits or gift cards. Perhaps the closest you can get to redeeming rewards for physical cash is through a Wells Fargo card that allows you to redeem for cash withdrawals at eligible ATMs.

It depends on how you plan to redeem your rewards. If you plan to deposit your cash rewards into a high-yield savings account, it's best to redeem often so that you don't lose out on interest. However, if you prefer to use your rewards for travel, you might save up your rewards to help cut future travel costs.

In fact, your cash back might be worth more if you redeem through an issuer's travel portal , like Chase Ultimate Rewards. To maximize your earnings, check your issuer's redemption options and be strategic in how and when you redeem. Flat-rate cards do not require any pre-planning, which is great.

You buy what you buy and earn cash back at the same rate for everything. To make the most of cash back cards that have rotating categories, however, you have to pay a bit more attention. For example, if a card offers 5 percent cash back at Amazon in Q4, you may consider doing most of your holiday shopping through that site.

I like to have both a flat-rate and rotating cash back card in my wallet — particularly a flat-rate card that earns at a higher rate usually 1. I have found the most difficult part of maximizing rotating category cash-back cards is keeping track of which categories are currently earning bonus cash back.

Setting reminders and keeping a rewards calendar helps, especially if you have multiple cards of each type. Of course, you also want to make sure you are putting the right expense on the right card to maximize the rewards. Every reasonable effort has been made to maintain accurate information.

However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. The information, including card rates and fees, is accurate as of the publish date.

All products or services are presented without warranty. Apply for a credit card with confidence. When you find your odds, you get:. A personalized list of cards ranked by likelihood of approval. No credit hits. Your personal information and data are protected with bit encryption. That means:. All of your personal information is protected with bit encryption.

Your financial information, like annual income and employment status, helps us better understand your credit profile and provide more accurate approval odds. Your financial information, like annual income and employment status, helps us better understand your credit profile.

Having a clearer picture of your credit profile will help us ensure that your approval odds are as accurate as possible. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considerd as a basis for repaying a loan.

Knowing your rent or mortgage payments helps us calculate your debt-to-income ratio DTI which is your monthly debt payments divided by your pre-tax monthly income.

Why does DTI matter? We need the last four digits of your social security number to run a soft credit pull. We need the last four digits of your Social Security number to run a soft credit pull. This helps us locate your profile and identify cards that you may qualify for. Your information is protected by bit encryption.

A soft credit pull will not affect your credit score. Last step! Once you enter your email and agree to terms:. Your approval odds will be calculated. A personalized list of cards ranked by order of approval will appear.

Your odds will display on each card tile. Enter your email address to activate your approval odds and get updates about future card offers. You instruct Us to do this each time you return to our sites to view product offerings and up to once per month so you can be provided up-to-date results.

You understand that this is not an application for credit and CardMatch offers and Approval Odds do not guarantee you will be approved for a partner offer.

To apply for a product you will need to submit an application directly with that provider. Seeing your results won't hurt your credit score.

Applying for a product may impact your score. See partner for complete product terms. Show less. This often happens when the information that's provided is incorrect. Please try entering your full information again to view your approval odds.

Before you apply You get:. Access to special card offers from top issuers in our network. You can check out other cards that are a better fit. Credit Cards Cash Back Advertiser Disclosure Advertiser Disclosure Bankrate. Steve Dashiell. Written by Steve Dashiell Arrow Right Editor, Credit cards.

Nouri Zarrugh. Edited by Nouri Zarrugh Arrow Right Senior Editor, Credit Cards. Jason Steele. Reviewed by Jason Steele Arrow Right Former contributor, Credit Cards.

Credit Card Search View card list Menu List Table of contents Why choose Bankrate Caret Down User We helped over , users compare cash back cards in Circle Check We valued and compared over 50 cash back programs. Lightbulb Over 47 years of experience helping people make smart financial decisions.

The Bankrate Promise. User We helped over , users compare cash back cards in Why choose Bankrate The Bankrate Promise. The Bankrate Promise At Bankrate we strive to help you make smarter financial decisions.

View card list Collapse Caret Up. Table of contents Collapse Caret Up. Increase your odds of finding the perfect card. Increase your odds of finding the perfect card 1 in 3 people w ho try approval odds find a card they like.

See your approval odds. Featured cash back Card. Apply now Lock on Wells Fargo's secure site. Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card.

Rating: 4. Bankrate review. appOddsOn { aoProduct. Apply now Lock. Intro offer. Annual fee. Regular APR. Pros This card offers one of the highest flat cash rewards rates available for a no-annual-fee card.

In addition to a lengthy intro APR, you can also take advantage of varied redemption options like redeeming cash rewards at a Wells Fargo ATM.

The 3 percent foreign transaction fee could eat into cash rewards if you use this card abroad. Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions. No categories to track or remember and cash rewards don't expire as long as your account remains open.

Bank of America® Customized Cash Rewards credit card Bank of America® Customized Cash Rewards credit card. Apply now Lock on Bank of America's secure site.

Pros You can swap your choice category once per calendar month to maximize rewards based on your spending habits. Cons The spending cap on your highest earning categories could hamper your earning potential. It carries a high sign-up bonus spending requirement twice as high as some rivals in the cash back card category.

That means you could earn 3. Contactless Cards - The security of a chip card, with the convenience of a tap. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for restaurants. Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card. Rating: 5 stars out of 5. Apply now Lock on Capital One's secure site. Pros You can earn additional bonus rewards for purchases made through the Capital One Entertainment and Travel portals.

With no spending caps, your earnings are unlimited. Cons Beware of redeeming cash rewards on Amazon. Its ongoing APR is on the high side and could prove pricey if you tend to carry a balance. Citi Double Cash® Card Citi Double Cash® Card. Apply now Lock on Citi's secure site.

Pros If you pair this card with the Citi Premier® Card, you can transfer points to airline and hotel partners and potentially enjoy a higher redemption value. You don't have to keep track of spending category restrictions or rotating categories.

Cons You could earn more with a card that offers a higher rewards rate in your biggest spending categories. After that, the variable APR will be Balance Transfers do not earn cash back. Intro APR does not apply to purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance including balance transfers by the due date each month.

Best for groceries. Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express. Apply now Lock on American Express's secure site.

Cons Purchases at wholesale clubs, superstores like Walmart , and specialty stores bakeries, farmers markets, etc. supermarket bonus category and only earn 1 percent back.

You can only redeem cash rewards as a statement credit, so you don't have much flexibility in redemption options. Plans created after that will have a monthly plan fee up to 1.

After that, your APR will be a variable APR of Variable APRs will not exceed gas stations. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon. com checkout.

com with your Blue Cash Preferred® Card. Enrollment required. Terms Apply. Bank of America® Unlimited Cash Rewards credit card Bank of America® Unlimited Cash Rewards credit card.

Rating: 3. Rewards details Caret Down 1. The card offers additional features with its intro APR on purchases and balance transfers. Cons This card is light on benefits and perks compared to other cash back cards.

That means you could earn 1. Why We Chose It When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. Cons A couple of partners' transfer ratios are mediocre at a less than ratio. Capital One airline partners do not include any large U.

Best for luxury benefits. The Platinum Card® from American Express. at American Express's secure site. Why We Chose It The Amex Platinum is unmatched when it comes to travel perks and benefits. Pros The current welcome offer on this card is quite lucrative. The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Seldom travelers may not get enough value to warrant the cost. The annual airline fee credit and other statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

The Hotel Collection requires a minimum two-night stay. Enrollment required. Plus Up Benefits are excluded. Uber Cash and Uber VIP status is available to Basic Card Member only.

Learn more. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost. com on your Platinum Card®.

Must charge full price of bike in one transaction. Shipping available in the contiguous U. Enrollment Required. Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.

Terms Apply. Best for dining rewards at restaurants. American Express® Gold Card. Rewards rate 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.

Pros 4 points per dollar on dining at restaurants and U. Cons Weak on travel and everyday spending bonus categories Not as effective for those living outside the U. Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.

Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel. com, Milk Bar and select Shake Shack locations. Experience credit varies by property. Choose the color that suits your style. Gold or Rose Gold. No Foreign Transaction Fees.

Capital One Venture X Rewards Credit Card. Rewards rate 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel 5 Miles 5 Miles per dollar on flights booked through Capital One Travel 2 Miles 2 Miles per dollar on every purchase, every day.

Lower Spend Threshold. Best for maximizing business purchases. Ink Business Preferred® Credit Card. Best for starter travel. Citi Premier® Card. at Citi's secure site. Why We Chose It The Citi Premier is a solid travel card choice with a plethora of travel partners and solid earning rates. com No expiration and no limit to the amount of points you can earn with this card No Foreign Transaction Fees on purchases.

Ink Business Unlimited® Credit Card. Rewards rate 1. Cons Higher spend to receive sign-up bonus No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred.

Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control. Round-the-clock monitoring for unusual credit card purchases With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.

BEST FOR GROCERIES AT U. Best for U. Blue Cash Preferred® Card from American Express. Why We Chose It The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. Pros This card has one of the best earning structures out for among cash-back credit cards The card comes with access to Amex Offers activation required , which can save you even more money on specific purchases.

Plans created after that will have a monthly plan fee up to 1. After that, your APR will be a variable APR of Variable APRs will not exceed streaming subscriptions. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.

com with your Blue Cash Preferred® Card. Best for no-frills cash-back rewards. Citi Double Cash® Card. To earn cash back, pay at least the minimum due on time. Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible.

After that, the variable APR of After that, the variable APR will be Balance Transfers do not earn cash back. Intro APR does not apply to purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance including balance transfers by the due date each month.

Best for bonus categories. Chase Freedom Unlimited®. Intro Offer Open Intro bonus Earn an extra 1. That's 6. Why We Chose It The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1. Pros At least 1. INTRO OFFER: Earn an additional 1. Enjoy 6.

No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U. checking and savings accounts. Cash Back rewards do not expire as long as your account is open! No annual fee — You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Best for travel rewards beginners. Bank of America® Travel Rewards credit card. at Bank of America's secure site. Why We Chose It The Bank of America Travel Rewards credit card is a great starter card thanks to its no annual fee and no foreign transaction fees when you travel internationally.

Pros 1. Cons Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One.

No travel and purchase protections. Earn unlimited 1. Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions. Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.

That means instead of earning an unlimited 1. Contactless Cards - The security of a chip card, with the convenience of a tap. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center.

You can take advantage of this offer when you apply now. Best for no annual fee. at Wells Fargo's secure site. Rewards rate 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

Why We Chose It The Wells Fargo Autograph card packs a punch for a no-annual-fee product, with an array of bonus categories plus solid perks and straightforward redemption options. Pros This card offers 3 points per dollar on various everyday purchases with no annual fee. It also comes with a 20,point welcome bonus and an introductory APR offer on purchases.

Cons Despite the lucrative earning structure, Wells Fargo doesn't offer any ways to maximize your redemptions — you're limited to fixed-value rewards like gift cards and statement credits.

Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions. Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans.

Plus, earn 1X points on other purchases. Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal. BEST FOR CASH BACK. Best for entertainment rewards. Capital One SavorOne Cash Rewards Credit Card.

Why We Chose It The Capital One SavorOne is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee.

No fee for amounts transferred at the Transfer APR. Best for travel perks. The Business Platinum Card® from American Express. Rewards rate 5X 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.

com 1. Why We Chose It The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips.

International Airline Program; and Cruise Privileges Program. Limited high bonus categories outside of travel. com, and 1X points for each dollar you spend on eligible purchases. Earn 1. wireless service providers.

The American Express Global Lounge Collection® can provide an escape at the airport. Best for flat-rate earning.

Wells Fargo Active Cash® Card. Other cash rewards cards can offer better welcome bonuses. No categories to track or remember and cash rewards don't expire as long as your account remains open. Best for cash back beginners. Blue Cash Everyday® Card from American Express.

Why We Chose It The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. No annual fee. supermarket bonus category, which may not work for those with larger annual grocery spend.

No Annual Fee. Balance Transfer is back! After that, Comparing the best rewards credit cards Credit card. Apply Now. beginner travelers. Open Rewards rates 5x 5x on travel purchased through Chase Ultimate Rewards® 3x 3x on dining.

airline rewards. Open Rewards rates 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel 2 Miles 2 Miles per dollar on every purchase, every day.

luxury benefits. dining rewards at restaurants. Open Rewards rates 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.

Open Rewards rates 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel 5 Miles 5 Miles per dollar on flights booked through Capital One Travel 2 Miles 2 Miles per dollar on every purchase, every day. maximizing business purchases. starter travel.

Open Rewards rates 1. no-frills cash-back rewards. bonus categories. travel rewards beginners. no annual fee. Open Rewards rates 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

entertainment rewards. travel perks. Open Rewards rates 5X 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.

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