Top credit cards for rewards

This all comes at no additional cost to you. Rewards cards typically have higher APRs. That means credit card debt will cost you more over time. Annual fees add up, especially if you carry multiple rewards cards.

They require a fair amount of mental energy. Some people relish the challenge of maximizing every purchase and piecing together a complicated, yet heavily subsidized, vacation itinerary. Others have zero interest in memorizing which card to use at gas stations, which to use at grocery stores, and which to use at restaurants.

If you want rewards with little effort, a flat-rate cash back card or a travel card with a straightforward rewards program no fancy transfers to airline partners or complicated redemptions will make jumping into the pool of rewards cards warm and inviting.

Put all your ordinary expenses on the card , including monthly bills, to rack up rewards more quickly. Be careful to never overspend just for rewards.

Consider using complementary cards to extract maximum rewards for your spending. For example, one card might offer high rewards for restaurant spending, while an airline card gives you free checked bags and a third card gives you a nice rate on all other spending.

If you have a card with a sign-up bonus, consolidate spending on that card until you earn that bonus. Redeem your rewards in the way that delivers maximum value. With travel cards, you usually get a better redemption rate when you redeem for travel expenses than you would if you opted for cash back.

Cash-back cards, meanwhile, may give you the highest redemption rate for statement credit, but a lower rate if you redeem points for gift cards. Some rewards can be transferred to travel partners, such as airlines and hotels, at a valuable rate.

Learn what the options are and what your rewards are worth. Access to airport lounges means free snacks and a more relaxing space in which to wait for your flight. Rewards cards come in a variety of flavors to fit different consumer preferences and spending patterns.

This roundup highlights the best cards in each particular category, but there may be a better card for you. Find other great cards in our specialized roundups:. Best cash-back credit cards. Best general travel credit cards. Best airline credit cards. Best hotel credit cards.

Best premium credit cards. Best cards for restaurant rewards. Best cards for grocery rewards. Best cards for gas rewards. To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page. NerdWallet's Credit Cards team selects the best rewards credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of consumers, including both those seeking cash-back rewards and those interested in travel rewards.

Factors in our evaluation include annual and other fees, rewards rates, the earning structure for example, flat-rate rewards versus bonus categories , redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.

Learn how NerdWallet rates credit cards. For example, if your card earns 1. How you use the points or miles depends on the card. Common redemption options include travel, gift cards and merchandise. With most rewards cards, you can see your accumulated earnings on your monthly statement or through your online account portal, and you can decide when and how to redeem them.

You may also be able to have your rewards deposited into a bank account or sent as a check. For cards that carry the name of an airline or hotel brand, you typically use your rewards for free travel or upgrades.

Some bank-branded credit cards let you transfer their points into airline or hotel programs. In most cases, there is no limit to how many points or miles or how much cash back you can earn with a credit card. Some cards do limit how much spending is eligible for bonus rewards — that is, higher rewards offered in specific categories — but after you hit that limit, you still earn rewards at the base rate.

How much each point or mile is worth depends on the card that issued it and how you redeem it. In some programs, points are worth 1 cent apiece regardless of how you redeem. In others, you might get 1 cent per point when redeeming for travel and 0.

Airline miles could be worth anywhere from less than 1 cent to more than 5 cents apiece depending on how many miles you need to earn a free flight and how much that flight would have cost if you were paying cash.

Hotel points are similarly variable in value. The best rewards credit cards typically require good to excellent credit for approval. Good credit is generally defined as a credit score of or better. However, there are some decent rewards-bearing cards for people with fair credit and even bad credit.

Keep in mind that credit scores are only one factor in your application. Every issuer has its own criteria for approval. Typically, credit card rewards are not taxable.

That's because the IRS generally considers credit card rewards as discounts or rebates, not income. CREDIT CARDS CREDIT CARDS BEST REWARDS CREDIT CARDS OF FEBRUARY Advertiser disclosure BEST OF 16 Best Rewards Credit Cards of February By NerdWallet.

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page.

However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. Show summary. Best Rewards Credit Cards From Our Partners. Credit card. NerdWallet rating.

Find the right credit card for you. Get Started. Take Quiz. Our pick for Travel rewards — flat-rate rewards.

Our pick for Travel rewards — bonus categories. Our pick for Cash back — families groceries, gas, commuting, streaming. Our pick for Cash back — high flat rate.

Our pick for College students. Our pick for Cash back — maximum customization potential. Our pick for Hotel credit card. Our pick for Rewards on rent payments. Our pick for Airline card. FULL LIST OF EDITORIAL PICKS: BEST REWARDS CREDIT CARDS. Citi Double Cash® Card.

Citi Custom Cash® Card. Wells Fargo Active Cash® Card. Discover it® Cash Back. Chase Freedom Unlimited®. Blue Cash Preferred® Card from American Express.

Capital One SavorOne Cash Rewards Credit Card. Bank Altitude® Go Visa Signature® Card. Capital One Venture Rewards Credit Card. Chase Sapphire Preferred® Card. Discover it® Student Chrome. Bilt World Elite Mastercard® Credit Card.

World of Hyatt Credit Card. Bank Altitude® Connect Visa Signature® Card. OTHER RESOURCES. How cash-back rewards work.

Flat-rate cards. Tiered cards. Cards with rotating or customizable categories. What determines your bonus rewards? How to redeem cash-back rewards. How travel rewards work. By Sam Kemmis , NerdWallet point and miles expert.

What is a credit card point or mile worth? If you choose the latter, your points are worth 1. Beyond the rewards, the Chase Sapphire Preferred® Card offers some of the best complimentary travel insurance of any credit card, let alone at this card's annual fee price point.

You'll also enjoy top-tier benefits including primary car rental insurance, trip delay insurance, and baggage delay insurance.

If you maximize this credit, you can shave off more than half of the card's annual fee. What the experts love: Lucrative welcome bonus offer, excellent transfer partners, and top-tier travel insurance.

Read our Chase Sapphire Preferred review to learn more about this credit card. Why the Chase Freedom Unlimited® is worth it: The Chase Freedom Unlimited® is a top pick in our list of the best no-annual-fee credit cards , and particularly attractive for people who also hold another Chase card that earns Ultimate Rewards.

The Chase Freedom Unlimited® earns up to 5x rewards in popular categories with no annual fee. Not only does this card help you pay down credit card debt with a generous introductory APR period, but it also offers solid ongoing rewards.

If you have a Chase card that earns transferable Chase Ultimate Rewards® points, such as the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve , you can combine your Chase rewards balances and gain the option to redeem your rewards in more ways, including transferring points to Chase's airline and hotel partners.

What the experts love: Great earning rates and decent benefits with no annual fee. Learn more about this credit card in our Chase Freedom Unlimited review. The Wells Fargo Active Cash® Card offers a beautifully straightforward reward structure and compelling intro bonus offer.

That's why it tops our list of the best cash-back credit cards and the best Wells Fargo credit cards. The Wells Fargo Active Cash® Card also offers a wide range of benefits, including cell phone protection, travel emergency assistance services, roadside dispatch, and Visa Signature® Concierge access.

Keep in mind this card adds foreign transaction fees , so if you're traveling internationally, it's best to use a different card. What the experts love: High rewards rate across purchases, good welcome offer, no annual fee. Learn more about this card by reading our Wells Fargo Active Cash Card review.

You might wonder why a card that doesn't earn rewards appears on our list of top credit cards — and if rewards are your priority, you can probably give the Wells Fargo Reflect® Card a skip. Where the card does excel, however, is with its intro APR offer.

A few other cards come with balance transfer offers of the same length, but a shorter duration or none at all for purchases. That's why you'll find this card at the top of our guide to the best balance transfer credit cards.

The Wells Fargo Reflect® Card comes with cell phone protection against damage and theft — a generous offer on a card with no annual fee.

This benefit alone can be a good reason to keep using the card after the intro period ends — especially since it's unusual to see no-annual-fee cards with that benefit. What the experts don't love: No welcome bonus offer or rewards, and few benefits aside from cell phone protection.

Learn more about this card in our Wells Fargo Reflect Card review. Why the Delta SkyMiles® Platinum American Express Card is worth it: If you're a Delta flyer, the Delta SkyMiles® Platinum American Express Card is hard to beat for value.

If you're not a Delta flyer, see our best airline credit cards guide for other top options. This card earns a spot in this guide thanks to benefits that go beyond the standard features like free checked bags and priority boarding — though it offers those as well.

This benefit lets you receive a companion certificate on main cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your card. You'll only pay taxes and fees on your companion's ticket. Depending on how you use it, this perk can more than cancel out the annual fee.

What the experts love: Delta companion certificate, good intro bonus and ongoing earning rates, free checked bag on Delta. Cons: Annual fee isn't worth it if you don't fly Delta often and can't take advantage of the companion certificate. Learn more about this card in our Delta Platinum Card review.

While that's a steep price to pay upfront, you can get back that much value and more if you're a frequent Hilton guest by taking advantage of this card's generous perks.

You can use this credit toward purchases at Hilton resorts such as room service, spa treatments, or activities. Once you select an airline and pay for eligible charges with this card, you will automatically be reimbursed for baggage fees, seat selection, in-flight purchases and more.

The full list of benefits is too lengthy to list here, but other standouts that can get you significant value include an annual free night award redeemable at almost any Hilton worldwide and top-tier Hilton Diamond elite status, which gets you bonus points on Hilton stays, free breakfast, space-available room upgrades, and more.

If you're not interested in staying at Hilton locations, see our guide to the best hotel credit cards for other options, including those tied to other hotel chains and cards with rewards that can be redeemed at a wider range of properties.

What the experts love: Strong welcome bonus, high earning rates on spending, valuable annual credits and free night certificate. What the experts don't love: High annual fee, Hilton-specific benefits which aren't useful if you prefer other hotels.

Learn more about this card in our Hilton Aspire Card review. Though there are many options on the market, this is our top pick for the best student credit card. Of the student cards that actually earn rewards, the Capital One SavorOne Student Cash Rewards Credit Card is most aligned with typical college student spending habits.

You might expect a student credit card to be a little thin in the benefits department, but that's not the case here. And because the card doesn't add foreign transaction fees see rates and fees , it's a great choice to use if you're studying abroad for a semester or taking a backpacking trip overseas during summer break.

What the experts love: Excellent categories for students, good benefits, no annual or foreign transaction fees see rates and fees. Read our Capital One SavorOne Student Card review for more in-depth coverage.

Why the Capital One Quicksilver Secured Cash Rewards card is worth it: The Capital One Quicksilver Secured Cash Rewards Credit Card is a secured credit card that stands out for offering rewards. You'll earn 1. Secured cards are some of the best credit cards for bad credit , since they're easier to get.

These cards require a cash deposit up front, which lowers the risk for a card issuer. After using this card for a while and making on-time monthly payments, you may see your credit score increase.

What the experts love: Earns rewards a rarity for secured cards , no foreign transaction fees, responsible use can raise your credit score see rates and fees. What the experts don't love: No welcome bonus, high APR if you carry a balance.

Read our Capital One Quicksilver Secured card review to learn more about this card. Personal Finance Insider's experts constantly evaluate the best credit cards on the market, and update this guide on a regular basis. We consider a wide range of products that consumers love, and evaluated each card's merits according to its primary benefits.

Read Personal Finance Insider's guide to points and miles valuations to learn what your credit card rewards are worth. See Personal Finance insider's full methodology for rating credit cards ». Read our editorial standards. Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

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. For rates and fees of the Delta SkyMiles® Platinum American Express Card, please click here.

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It symobilizes a website link url. Copy Link. JUMP TO Section. Best Credit Cards Credit Card Frequently Asked Questions Compare the Best Credit Cards Why You Should Trust Us. Redeem now. The VentureOne is a solid option for the occasional traveler. It comes with no annual fee, a sign-up bonus, and a chance to earn an unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 1.

This card has plenty of perks and just enough rewards to make it a solid option for occasional travelers looking for a travel rewards credit card with no annual fee.

The Citi Custom Cash Card features a rewards program that adjusts to match your lifestyle and spending habits by offering the most generous rewards in your top eligible spending category. This no-annual-fee card is a great choice for consumers looking for customized rewards without a big annual price-tag.

For a card that charges no annual fee, the Citi Custom Cash® offers an impressively high cash back rewards rate and allows you to maximize earnings automatically in your top spending category every month.

That provides a lot of flexibility month-to-month without having to enroll in rotating categories or having to commit to a certain category indefinitely. It features one of the most comprehensive lists of airline and hotel transfer partners on the market, offering tremendous flexibility with how you use your points.

Even if you only redeem through Bilt, your points are worth 1. The Bank of America® Customized Cash Rewards credit card gives cardholders greater flexibility.

You also earn bonus rewards on purchases at wholesale clubs — another perk rarely offered. The Bank of America® Customized Cash Rewards credit card offers flexible cash back rewards without charging an annual fee, and with the potential for huge rewards boosts for existing Bank of America and Merrill account holders.

Whether you prefer to cook at home or dine out, the American Express® Gold Card offers high-value rewards for foodies who love to travel. Given the huge array of items available on Amazon. com, plus the Amazon Fresh, Whole Foods and Chase Travel bonus categories, the Prime Visa can be an incredibly lucrative rewards card.

This is one of the only cards that offers year-round cash back on U. online retail purchases, without limiting you to just one or two brands. The Capital One SavorOne Student Cash Rewards Credit Card is packed full of features that will appeal to students and young adults.

Not only do you earn boosted rewards for popular spending categories such as dining and entertainment, the card also features a welcome offer with a low spending threshold to obtain, and an opportunity for an automatic credit limit increase after six months.

The card also comes with some nice cost-saving features like no foreign transaction fees. rounds out the list of impressive features.

The SavorOne Student card offers bonus categories tailored to students and strong credit building opportunities to students with no credit history required for approval. All information about the American Express® Green Card, My GM Rewards Mastercard and the Chase Freedom Flex has been collected independently by CreditCards.

com and has not been reviewed by the issuer. 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.

See Rates and Fees 4. Related : Capital One SavorOne benefits guide. Related : How to maximize your Venture rewards card. Related : Is The Platinum Card® from American Express worth the annual fee? Related : Citi Premier vs.

Chase Sapphire Preferred. Related : Who should get the American Express Blue Cash Preferred? Related : Why the CSP is a great first travel card. Related : Is the Venture X worth it? Related : Is the Citi Custom Cash worth it?

Related : Is the Bank of America Customized Cash Rewards credit card worth it? Related : Who should get the American Express Gold card? Read our Amex Green Card review. Read our U. Bank Altitude® Go Visa Signature® Card.

Read our My GM Rewards® Mastercard® review. A rewards credit card is a credit card that lets you earn points, miles or cash back on your spending.

You might get rewards for specific types of purchases, like buying fuel at gas stations or groceries at supermarkets, or you might get a flat rate for all charges.

Rewards credit cards create an exciting opportunity to earn something in exchange for using this type of credit card. What you may not realize is there are multiple ways of earning and redeeming those rewards.

Different rewards cards offer different types of rewards you can earn and a few different redemption options. The two most common are travel points and miles or cash back. This can be a great way to earn money for the purchases you make every day.

Plus, there are several types of cash back credit cards to consider when researching. Cash back gives you the most flexibility with your rewards. Learn how to redeem cash back.

Travel credit cards reward cardholders with points or miles instead of cash. You can redeem points or miles to book travel.

There are three main types of travel credit cards. As you search for a card that best aligns with your budget and lifestyle, consider both the pros and cons of rewards credit cards. Before applying, make sure a rewards credit card is a good fit for you.

The right rewards card for you will vary depending on your financial goals and habits. So before you start comparing cards, carefully consider how you tend to spend your money.

For example, a rewards rate of 3X points on travel purchases is great — but only if you regularly spend a significant amount of money on travel. The best rewards card for you will match the way you already spend.

Start by considering these card features or visiting our compare credit cards tool. Still stuck? Check out our step-by-step guide to choosing the right credit card. The best rewards card depends on your specific needs.

Choosing the best rewards card will come down to considering a few key questions and using the answers to lead you to the best card for you.

As you look at various rewards cards, consider the following;. The first step in choosing a rewards credit card is deciding what type of rewards you want most. Not all rewards cards earn in the same categories or at the same rates, and some may be more valuable than others depending on your lifestyle.

Whether you value the flexibility of cash back or want to stack up points and miles toward a trip, note the type of rewards you want most and start from there. Knowing where you spend the majority of your money can be helpful when choosing a rewards credit card.

To get the most out of a card, you should spend highly in the categories the card rewards most generously. Take time to track your spending and get a pulse on where the money in your budget goes.

Oftentimes, the most premier rewards cards with the best perks and benefits will charge an annual fee. Credit card rewards programs come in any number of flavors, and one of them is bound to work well for you.

Just remember that not every credit card from an issuer will qualify for their rewards program. Here is an overview of some popular rewards programs and how they work. You can learn more about each one by reading our full reviews. The value of your points and miles can vary, depending on the card and how you redeem them.

If you like to redeem your points for statement credits or gift cards, a card where your points are worth at least 1 cent is a safe bet.

This can give you more options when booking travel and give you a chance to redeem your points or miles for greater value. In some cases, the right transfer partner could bump the value of your points or miles to over 2 cents.

For example, with the Chase Sapphire Preferred card, your points are worth 1. But with the right high-value transfer partner, we estimate your points could be worth an average of 2 cents. Here are some of the best credit card rewards programs that offer travel cards with transferable points:.

When booking travel with airlines or hotels, you can see how much it will cost if you were to pay in cash or use your rewards. To find the value of your points or miles, divide the cash cost of a flight or hotel stay by the cost in points or miles. This will give you the cash value of your points or miles.

But if your calculated value is less than what we estimate your points or miles should be worth, you may want to pay in cash or look for a better deal.

We analyzed over credit cards to identify the best rewards credit cards currently on the market. These factors and more inform our decisions on which cards can work the best for you. For more information on all things rewards cards, continue reading content from our credit card experts:.

Your point-earning potential depends on two things: how much you spend on the card and whether it offers unlimited rewards. Some cards set no limit to the number of points you can earn at a boosted rate, while others might decrease your rewards rate after you hit a certain spending threshold.

Credit card companies use merchant category codes, or MCCs, to allocate rewards. These codes are assigned by payment networks like Visa or Mastercard, and typically apply to the business, not individual purchases.

Buying a loaf of bread at a gas station would not typically register as a grocery purchase, but rather a gas station purchase. Most rewards cards require at least good credit, which is a FICO® score of or greater.

It depends on the terms and conditions of your rewards credit card. Some credit card rewards programs will note that rewards never expire. Other programs have a defined expiration date. Ryan Noonan. Ryan Noonan Ryan Noonan is a former writer for Bankrate and CreditCards.

com and is a graduate of the School of Journalism at Ohio State University. Robert Thorpe. Robert Thorpe is an editor for CreditCards. Jason Steele. Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since He was one of the original contributors to The Points Guy, and his work has been appearing there since He has also contributed to over of the leading personal finance and travel outlets.

Jason is passionate about travel rewards credit cards, which he uses to earn rewards that he can redeem for him and his family to travel around the world. Remove a card to add another to compare. Add at least 2 cards to compare.

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Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. Types of rewards credit cards Pros and cons Who should get a rewards credit card?

How to choose the best rewards credit card How to maximize your rewards credit card Best rewards credit card programs Alternatives to getting a rewards card Frequently Asked Questions. On this page Jump to Our top picks Rewards credit card details What is a rewards credit card?

Best Rewards Credit Cards for February Written by: Ryan Noonan Edited by: Robert Thorpe Reviewed by: Jason Steele. Why trust us? Learn more. Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site.

Learn more about our partners and how we make money. 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. Show More Less Show More Less A rewards credit card offers a reward for each eligible dollar spent with the card, such as travel miles, cash back or points.

Best for entertainment. Capital One SavorOne Cash Rewards Credit Card. Our rating: 4. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Add to compare. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score. More information Close. Apply now at Capital One's secure site. com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Editor's take. Overall rating Our rating: 4. Rewards Value: 4. Annual Percentage Rate: 1. Rewards Flexibility: 4.

Features: 3. Issuer Customer Experience 4. Why we like this card With generous rewards that cover groceries, dining, entertainment and select travel purchases, this is one of the most versatile rewards cards. Bottom Line The SavorOne is an excellent option for fun-loving foodies who can take advantage of the high cash back rate in dining out as well as grocery store purchases.

Card details. Regular APR View All Capital One SavorOne Cash Rewards Credit Card Details. Best for flexible travel. Capital One Venture Rewards Credit Card. Rewards rate 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.

Annual Percentage Rate: 4. Rewards Flexibility: 5. Issuer Customer Experience: 4. Cons There are no domestic legacy airlines included in the list of airline partners.

Miles transfer at less than ratio. Bottom Line Frequent international travelers on the hunt for an unfussy travel rewards program will likely enjoy this flat-rate rewards card. View All Capital One Venture Rewards Credit Card Details. Best for flat-rate cash rewards. Wells Fargo Active Cash® Card.

Apply now at Wells Fargo's secure site. APR: 1. Issuer Customer Experience 2. 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. View All Wells Fargo Active Cash® Card Details. Best for gas stations. Rewards rate 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

Rewards Value 3. APR 2. Rewards Flexibility 3. Why we like this card It carries one of the highest flat rewards rates you can get at gas stations without sacrificing rewards in other everyday categories or paying an annual fee. Pros Most competing cards only cover general travel or gas station purchases, not both, making the Autograph Card a uniquely valuable option if you spend a lot of time on the road.

Cons Frequent flyers can earn a higher travel rewards rate, flashier perks and better overall value by opting for a premium rewards card — even if that means paying an annual fee.

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 Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best Our top recommendations for the best rewards credit card · Best for beginners: Chase Sapphire Preferred® Card · Chase Sapphire Preferred® Card · Chase Sapphire 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit

Top credit cards for rewards - Best rewards credit cards of February · Best rewards credit card: American Express® Gold Card · Best for welcome bonus: Capital One Venture Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best Our top recommendations for the best rewards credit card · Best for beginners: Chase Sapphire Preferred® Card · Chase Sapphire Preferred® Card · Chase Sapphire 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit

Its earning rates are noteworthy, too. You can use Capital One miles for free flights and hotel stays by transferring to partners such as Avianca, British Airways, and Singapore Airlines. The only exception is gas purchased at a supermarket, superstore, convenience store, or warehouse club except Costco.

That covers the bases for most cardholders. You can get 3x points on nearly everything. And you can convert these points to 16 airline and hotel currencies including Turkish Airlines, JetBlue, and Wyndham.

If you know how to wield them, you could receive a value around 2 cents per point or more. The only caveat is that not all stores that sell groceries are considered supermarkets. Keep that in mind when tallying up your yearly earnings.

Enrollment is required for both of these benefits. When selecting the top rewards credit cards, we first identified the most popular credit card categories:.

In each of these categories, we weighed the highest-performing options against each other to determine which products offered the best mix of return rate, welcome bonus, ongoing benefits, and annual fee.

We generally recommend anyone with a credit score below not apply for rewards credit cards. There are two reasons:. Figure out what you want it to accomplish for you.

Is your primary goal to earn cash back? Do you want to travel to Europe for pennies on the dollar? Do you have a small business with expenses that you want to sequester from your personal expenses? Do you simply want to build credit? Examine your spending to identify the things you spend most on and then open a card that complements those expenses.

If the majority of your monthly spending is restaurants and gas stations, open a card that offers bonus points for those categories. If you spend a lot on utilities and groceries, open a card that earns bonus rewards for those categories.

If your spending is all over the place, open a card that earns a respectable flat rate on all purchases. But it also comes with:. If your credit score is in the low s, applying for a premium rewards credit card will all but guarantee a rejection letter.

You can even earn travel rewards with Bask Bank, which awards American Airlines miles instead of cash back. Finally, you can search for banks that are offering welcome bonuses for opening checking or savings accounts and completing various steps.

The right rewards credit card can mean the difference between a Red Roof Inn and a five-star hotel on your next vacation. It can also mean hundreds of dollars in cash back each year. Other perks can include free grocery delivery, discounts with your favorite restaurants, exclusive access to sought-after music and sports events, and more.

Your credit card will work the hardest if you open one that fits perfectly with your lifestyle. For example, it rewards you for your everyday spending. And its statement credits reimburse you for purchases you planned to make, anyway. Rewards credit cards are an easy way to earn cash back or travel rewards.

They often come with enormous welcome bonuses. The big downside of rewards credit cards is their offensively high APR. By carrying a balance month-to-month, you could quite easily negate any rewards you earn on spending. And if you let your balances get out of control, your cards can become extremely difficult to pay off.

However, cards that accrue airline miles or hotel points may expire, depending on the loyalty program. For example, Hilton Honors points expire after 24 consecutive months with no account activity. But you can extend this expiration simply by swiping your Hilton card and earning even a single point every 24 months.

But there are known to be exceptions. For example, if you refer a friend to a credit card and receive rewards, the IRS will likely send you a MISC form. On the other hand, some credit cards can also be valuable tools for those who prepare their own tax services , helping them save more money during tax season.

For those interested in free travel, the most popular rewards programs are Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou points, and Capital One miles. These programs allow you to convert your points to many different airline and hotel programs.

Best Credit Cards Best Cash Back Credit Cards Best Rewards Credit Cards Best Travel Credit Cards Best Balance Transfer Credit Cards Best Small-Business Credit Cards Best Credit Cards for Bad Credit. The information presented here is created independently from the TIME editorial staff.

To learn more, see our About page. Personal Finance Credit Cards Best Rewards Credit Cards by Sarah Hostetler. Updated February 11, There are loads of rewards credit cards to choose from—but which is the best card for you depend on a few things: Your financial goals.

Your spending habits. Your credit score. Credit score. Intro APR. Balance transfer intro apr. Annual fees. Welcome offer. Learn more. Why we like it. APR 2. Rewards Flexibility 3. Why we like this card It carries one of the highest flat rewards rates you can get at gas stations without sacrificing rewards in other everyday categories or paying an annual fee.

Pros Most competing cards only cover general travel or gas station purchases, not both, making the Autograph Card a uniquely valuable option if you spend a lot of time on the road.

Cons Frequent flyers can earn a higher travel rewards rate, flashier perks and better overall value by opting for a premium rewards card — even if that means paying an annual fee. 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 perks.

The Platinum Card® from American Express. Apply now at American Express's secure site. Rewards Value: 5. Features: 5. Issuer Customer Experience: 5. Why we like this card Fancy flyers will love the premium travel benefits this card offers, including statement credits, elite hotel status at select hotels enrollment required and access to exclusive airport lounges.

Bonus categories are capped. 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. 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. Regular APR See Pay Over Time APR.

View All The Platinum Card® from American Express Details. Best for everyday spending. Citi Premier® Card. Apply now at Citi's secure site. Rewards Flexibility: 3. Issuer Customer Experience: 3. Why we like this card The Citi Premier card offers 3X points on air travel, other hotels, restaurants as well as on everyday purchases at supermarkets and gas stations.

Pros Points never expire, there are no point limits, and no blackout dates. With the exception of travel and gift cards, redemption value is low. Bottom Line Its flexible and lucrative rewards structure makes this card an appealing choice for nearly anyone, particularly those who travel overseas, dine out, or order in with some frequency.

com No expiration and no limit to the amount of points you can earn with this card No Foreign Transaction Fees on purchases. View All Citi Premier® Card Details. BEST FOR U. Blue Cash Preferred® Card from American Express.

streaming subscriptions. Issuer Customer Experience 5. Why we like this card The Blue Cash Preferred Card provides one of the highest cash back rates for purchases made at U. Pros Some of the highest rewards rates available for U.

supermarket purchases and select U. Top perks include a generous welcome offer and valuable streaming and fitness credits. Steep Bottom Line Anyone who spends a good bit of their budget on groceries will undoubtedly find value in the Blue Cash Preferred® Card from American Express, which offers one of the highest cash back rates on U.

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. View All Blue Cash Preferred® Card from American Express Details.

BEST FOR SIGN-UP BONUS. Chase Sapphire Preferred® Card. Apply now at Chase's secure site. Rewards rate 5x 5x on travel purchased through Chase Ultimate Rewards® 3x 3x on dining 2x 2x on all other travel purchases, plus more. Why we like this card With an outstanding rewards program, sign-up bonus and travel perks, this is one of the best travel cards around.

Pros Offers generous rewards in a variety of travel and everyday categories Rewards are worth 1. Bottom Line Not only does the Chase Sapphire Preferred offer a valuable welcome offer, but its rewards rate for travel and restaurant purchases plus its lack of foreign transaction fees make it one of the best choices for travelers.

Member FDIC. View All Chase Sapphire Preferred® Card Details. Best for annual credits. Capital One Venture X Rewards Credit Card. Our rating: 5. 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.

Overall rating Our rating: 5. Annual percentage rate: 4. Pros Unlimited miles in all purchase categories Generous travel credits and premium perks Cons High spend requirement to earn sign-up bonus Requires excellent credit.

Bottom Line If you love to travel, the Capital One Venture X Rewards Credit Card delivers with unlimited miles in all purchase categories and plenty of added perks — all with a more down-to-earth annual fee compared to other premium travel credit cards.

View All Capital One Venture X Rewards Credit Card Details. Best for rotating bonus categories. Discover it® Cash Back. Apply now at Discover's secure site. Intro offer Cashback Match More information Close Intro Offer: Unlimited Cashback Match for all new cardmembers — only from Discover.

Features: 2. Why we like this card This card is ideal if your highest spending categories vary throughout the year since it offers a valuable rotating bonus category each quarter. Pros Rewards are redeemable at any time. Cons Enrollment is required. There is a spending cap on combined quarterly purchases.

Bottom Line This is a strong cash back rewards card with plenty of opportunities to maximize rewards, provided you enroll and plot out your spending categories in advance.

Intro Offer: Unlimited Cashback Match for all new cardmembers — only from Discover. 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. View All Discover it® Cash Back Details. Best for financing travel. Capital One VentureOne Rewards Credit Card. Rewards rate 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel 1.

Rewards Value: 3. Annual Percentage Rate: 2. Why we like this card The VentureOne is a solid option for the occasional traveler. Pros You can transfer your miles to several transfer partners on a basis.

This card offers one of the longer introductory APRs on the market, ideal for cardmembers who need time to pay off balances.

Cons The rewards rate of 1. Bottom Line This card has plenty of perks and just enough rewards to make it a solid option for occasional travelers looking for a travel rewards credit card with no annual fee.

View All Capital One VentureOne Rewards Credit Card Details. Best second credit card. Citi Custom Cash® Card. APR 3. Features 3. Issuer Customer Experience 3. Why we like this card The Citi Custom Cash Card features a rewards program that adjusts to match your lifestyle and spending habits by offering the most generous rewards in your top eligible spending category.

Pros In addition to not charging an annual fee, there are many other perks available including a sign-up bonus and intro APR offer for purchases and balance transfers.

Points can be combined with other Citi ThankYou rewards. Bottom Line For a card that charges no annual fee, the Citi Custom Cash® offers an impressively high cash back rewards rate and allows you to maximize earnings automatically in your top spending category every month.

After that, the variable APR will be No rotating bonus categories to sign up for — as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. No Annual Fee Citi will only issue one Citi Custom Cash® Card account per person.

View All Citi Custom Cash® Card Details. Best for renters. Bilt Mastercard®. Rewards rate 3X Points 3x points on dining 2X Points 2x points on travel 1X Points 1x points on other purchases 1X Points Earn up to 1x points on rent payments without the transaction fee, up to , points each calendar year.

When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases. Intro offer No current offer Annual fee None Regular APR See Terms Recommended credit Good to Excellent More information Close CreditCards.

Rewards Value 5. Rewards Flexibility 4. Features 4. Why we like this card It features one of the most comprehensive lists of airline and hotel transfer partners on the market, offering tremendous flexibility with how you use your points.

Pros Almost no other cards give you access to this many high-value transfer partners without charging an annual fee. Earn up to 1x points on rent payments without the transaction fee, up to , points each calendar year. Earn points when you make 5 transactions that post each statement period. Annual Fee None.

Regular APR See Terms. View All Bilt Mastercard® Details. Best for customizable bonus categories. Bank of America® Customized Cash Rewards credit card.

Apply now at Bank of America's secure site. Annual Percentage Rate: 3. Rewards Flexibility: 2. Why we like this card The Bank of America® Customized Cash Rewards credit card gives cardholders greater flexibility.

Pros Features the flexibility to earn cash back in the eligible category of your choosing. This is one of the few rewards cards offering bonus rewards specifically at wholesale clubs.

Redemption is limited to cash back options, like statement credits, checks or direct deposit into a Bank of America account. Bottom Line The Bank of America® Customized Cash Rewards credit card offers flexible cash back rewards without charging an annual fee, and with the potential for huge rewards boosts for existing Bank of America and Merrill account holders.

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. View All Bank of America® Customized Cash Rewards credit card Details. American Express® Gold Card. Rewards rate 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.

Pros This card offers some of the highest rewards rates on dining and U. Points can be redeemed for all or only a portion of qualifying travel purchases.

Bottom Line Whether you prefer to cook at home or dine out, the American Express® Gold Card offers high-value rewards for foodies who love to travel. 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. View All American Express® Gold Card Details. Prime Visa. Apply now at Amazon's secure site.

Why we like this card Given the huge array of items available on Amazon. Pros Along with rewards on eligible online purchases, this card earns at a solid rate at restaurants and gas stations, so it can be a great standalone option.

It offers an exceptionally easy-to-earn but still valuable sign-up bonus. A few other cards offer bonus rewards on any online purchases — not just Amazon. com — so they may be a better fit if you value flexibility over a slightly higher rewards rate.

Redeem daily rewards at Amazon. com as soon as the next day Member FDIC. View All Prime Visa Details. BEST FOR ONLINE SHOPPING. Blue Cash Everyday® Card from American Express. Why we like this card This is one of the only cards that offers year-round cash back on U. It carries impressive perks for a no-annual-fee card, including cash back on eligible Disney Bundle and Home Chef subscriptions.

Though its welcome offer is generous, it carries a relatively high spending requirement. Some competing cards offer the value with 75 percent less spending. No Annual Fee. Balance Transfer is back!

After that, View All Blue Cash Everyday® Card from American Express Details. BEST FOR STUDENTS. Capital One SavorOne Student Cash Rewards Credit Card. Introductory Offer 1. Interest and Fees 2. Rewards Program 5. Why we like this card The Capital One SavorOne Student Cash Rewards Credit Card is packed full of features that will appeal to students and young adults.

Pros This card requires no credit history for approval. This card offers a generous rewards rate on categories tailored to students. Cons The potentially high APR makes this card more expensive if you carry a balance from month to month.

Bottom Line The SavorOne Student card offers bonus categories tailored to students and strong credit building opportunities to students with no credit history required for approval. View All Capital One SavorOne Student Cash Rewards Credit Card Details.

Show More Cards. Back to top. On this page Our top picks Rewards credit card details What is a rewards credit card? Comparing the best rewards credit cards of Credit Card Best for Rewards rate Annual fee Creditcards.

Activation required. Supermarkets, then 1X. Earn 3X Membership Rewards® points on flights booked directly with airlines on amextravel. supermarkets, U. gas stations and on U. Plus, the card comes with a nice sign-up bonus, if you meet the low minimum spending requirement within the first three months from account opening.

Biggest drawbacks : If you prefer to earn rewards for essential purchases, other rewards cards earn higher rewards for grocery purchases and also offer bonus rewards in other everyday categories like gas.

Bottom line : Casual spenders who can take advantage of as many of the food-and-entertainment rewards categories will get the most value out of the SavorOne card. Best for flexible travel: Capital One Venture Rewards Credit Card Best features : This easy-to-use travel card stands apart from many other travel rewards cards that come with complicated rewards programs.

Plus, the big sign-up bonus, high-earning rewards and flexible redemption options add to the appeal. So you could be missing out on the chance to quickly rack up rewards, especially if you spend a lot in areas like groceries, gas or dining.

Alternatives : For maximum travel rewards in a card with a modest annual fee, try the Chase Sapphire Preferred Card. Biggest drawbacks : People who spend a lot of money in specific areas like groceries and gas may be able to earn more cash back faster with rewards cards that have bonus categories.

Or, if you need more time to take advantage of an intro APR offer on purchases and balance transfers, other cards come with longer offers. Depending on how much you spend, this could quickly add up.

And since it earns bonus rewards in nearly every major spending category other than groceries, it could pair very well with a dedicated grocery rewards card. Biggest drawbacks : Even though it earns travel rewards, the Autograph Card makes a better cash back rewards card than it does a travel card.

This puts it at a disadvantage to many of the best travel cards. On top of bonus rewards for your gas and transit purchases, you also get one of the highest rates around on U. Bottom line : The Autograph Card is a fantastic option for households looking to earn rewards on everyday essentials while avoiding an annual fee.

These perks include airport lounge access, multiple travel and consumer credits and automatic elite status with Hilton Honors enrollment required and Marriott Bonvoy. The card also offers one of the biggest welcome bonuses in the rewards industry. Like the Platinum card, the Venture X offers Priority Pass lounge access and a statement credit for Global Entry or TSA Precheck.

Bottom line : If you can take advantage of all it has to offer, the Platinum Card is worth its weighty annual fee. Biggest drawbacks : There are limited transfer options for people traveling stateside.

Learn more about the best Citi credit cards. Alternatives : Travelers may prefer the Chase Sapphire Preferred Card. Bottom line : The Citi Premier card is a good alternative to other cards that earn at a similar rewards rate with the same annual fee, but is held back by limited transfer options and relatively lower rewards categories.

Best for U. Add in a generous welcome offer, an introductory APR on new purchases and balance transfers and a number of purchase and travel protections, and you have a great all-around card for households. supermarkets to come out ahead after year one, as illustrated by our comparison between the Blue Cash Preferred and the Blue Cash Everyday® Card from American Express.

Bottom line : The Blue Cash Preferred is a top American Express card. With its rewards rates and intro APR, this card is great for household shoppers who have a few big purchases coming up. Tiered bonus rewards cover travel, dining and most online grocery purchases, which make it a quick rewards earner for home shoppers or those on the go.

Because of this boost to rewards redemption, the Sapphire Preferred could provide a lot more value compared to other travel cards.

Best for annual credits: Capital One Venture X Rewards Credit Card Best features : The Venture X gives travelers a taste of luxury at a lower cost compared to other premium travel cards. Bottom line : The Capital One Venture X Rewards Credit Card is a great travel card for those who want a premium card without the large annual fees found with other cards like The Platinum Card® from American Express and the Chase Sapphire Reserve card.

Best for rotating bonus categories: Discover it® Cash Back Best features : For no annual fee, this card offers competitive cash back, an unlimited cash-back match at the end of your first year and a lengthy promotional APR on balance transfers and purchases.

See more of the best zero interest credit cards. Biggest drawbacks : You have a little bit of legwork to do to earn your bonus cash back — namely, enrolling for the rotating categories each quarter and shifting your spending habits to maximize your earnings.

Alternatives : Similar to the Discover it® Cash Back, the Chase Freedom Flex offers generous cash back in rotating bonus categories that you must activate each quarter. On top of that, the card offers high cash back on Ultimate Rewards travel, dining and drugstore purchases. Bottom line : Savvy spenders who can adjust their spending quarterly can really rack up rewards with this classic cash back credit card that offers tremendous potential to earn cash back on purchases in rotating bonus categories per quarter and matches all the cash back you earn at the end of your first year.

Best for financing travel: Capital One VentureOne Rewards Credit Card Best features : This entry-level travel card makes it easy to earn unlimited miles without worrying about an annual fee See Rates and Fees.

Biggest drawbacks : The rewards rate is not the best out there. Alternatives : The Bilt Mastercard has similar features but goes further, offering rewards for rent purchases without the transaction fees, bonus rewards in multiple categories, and a chance to earn double points on all non-rent purchases on the first of every month.

Bottom line : The VentureOne will bring some value to the wallets of occasional travelers who want to earn travel rewards for everyday purchases without having to pay an annual fee. Cardmembers earn 5 miles per dollar on hotels and rentals booked through Capital One Travel and 1.

Best second credit card: Citi Custom Cash® Card Best features : This no-annual-fee card keeps things simple by automatically earning a top-of-the-line cash back rate in one eligible spending category each billing cycle subject to a cap each billing cycle.

That long-term flexibility pairs nicely with other features of the card that provide great short-term value. Citi is also offering an attractive sign-up bonus and introductory APR on purchases and balance transfers. Alternatives : With one of the best flat cash back rates available, the Citi Double Cash® Card is a great no-frills, all-purpose rewards card.

You earn a flat cash back rate on purchases with no spending caps, unlike the Citi Custom Cash Card. Best for renters: Bilt Mastercard Best features : No other cards help you avoid fees on rent payments or offer such flexible and valuable travel rewards without charging an annual fee.

Biggest drawbacks : You can only redeem rewards toward rent payments, a future home down payment or — if you want the best value — for travel. Alternatives : This is your best option if you want to earn rewards and avoid fees on rent payments, but other cards may offer better short-term value.

The Capital One VentureOne Rewards Credit Card also offers transferable points but lets you take advantage of a generous intro APR offer and has a sign-up bonus. Best for customizable bonus categories: Bank of America® Customized Cash Rewards credit card Best features : Unlike most credit cards, the Bank of America Customized Cash Rewards card lets you choose your bonus rewards category.

The base rewards are good for a no-annual-fee credit card and include wholesale clubs, which is a rare find for a general-purpose rewards card. While spending caps on boosted rewards are common, combining that cap between multiple categories stunts rewards across more than one area of your spending.

The customizable features, along with a chance to earn rewards at wholesale clubs, pair up nicely with short-term perks, including a sign-up bonus and intro APR offer on purchases and balance transfers. supermarkets and flights.

See how we value Amex points. Getting the most bang for your buck requires a little legwork. Alternatives : The Citi Premier® Card is an often-overlooked travel rewards credit card comparable to the Amex Gold Card.

The Citi Premier Card could offer more rewards at a wider range of places depending on your spending habits. This makes it a terrific standalone rewards option for Amazon Prime members. You can earn rewards on eligible U.

online retail purchases not just Amazon purchases and at most U. supermarkets not just Whole Foods. Best for online shopping: Blue Cash Everyday® Card from American Express Best features: This card stands out for its mix of lucrative and practical rewards categories.

It not only covers staples like groceries and gas, but also purchases with select U. Biggest drawbacks: While the card offers terrific flexibility with its online shopping category, its U. You can also only redeem rewards as a statement credit.

Alternatives: The Bank of America® Customized Cash Rewards credit card may give you a bit more flexibility.

You can not only choose your own eligible bonus category each month online shopping is just one option , but also earn bonus cash back year round at both grocery stores and wholesale clubs. Best for students: Capital One SavorOne Student Cash Rewards Credit Card Best features : The SavorOne Student card earns unlimited cash back and even has bonus categories that cover student-friendly spending areas like dining, popular streaming services and grocery stores.

Plus, if you already have good credit or better, you may be better off applying for the non-student version of the card to benefit from its intro APR offer and sign-up bonus. Plus, Discover will match all the cash back you earn at the end of your first year, which could make for an impressive cash rewards payday.

Bottom line : This card carries a reasonable annual fee and solid mid-level perks, so it could be a great fit for occasional travelers interested in earning Amex points.

The card also comes with additional benefits like a welcome bonus for new cardholders and a decent annual credit for streaming services. Alternative : The Blue Cash Preferred® Card from American Express charges an annual fee after the first year, but is loaded with value. Cardmembers earn substantial cash back at U.

supermarkets, which makes it a great choice for cardholders who eat at home more often than at restaurants. Bottom line : Anyone who eats out or orders food delivery should take advantage of the U. Biggest drawbacks : This card is only a good fit for loyal GM car drivers who want to rack up points to help bring down the cost of eligible GM-related products and services.

Alternatives : A general-purpose cash back card with rewards in high-earning bonus categories that fit your spending habits.

Try the Blue Cash Preferred® Card from American Express if you want to earn an impressive amount of rewards on everyday spending. Bottom line : This card could be a nice addition to the wallets of GM loyalists. What is a rewards credit card? How do rewards credit cards work? Credit cards with bonus categories often offer these on a regular or rotating basis each quarter or year, giving you a fantastic opportunity to boost your rewards in a short period of time.

Using the travel portal through the card issuer to make travel purchases is another tactic you can use to earn better rewards rates. These travel portals often add a boost when you purchase through them, and are one of the best ways to maximize your earning potential.

This is especially helpful when you have a flat-rate rewards card that earns the same rate on all of your spending. Select a method of redemption: Reward cards offer a variety of redemption methods, like direct deposit to a checking or savings account, statement credits or transfers to an airline partner or membership rewards portal.

Flat-rate cash back cards. A flat-rate card can also be a good choice if you only want one credit card to use for everything. A great option : the Wells Fargo Active Cash® Card , which offers an industry-leading flat cash rewards on purchases, plus a generous welcome bonus not typically found with a flat-rate rewards card.

Tiered cash back cards. They are a great choice for those who have recurring, significant expenses in certain categories. A great option : the Blue Cash Preferred® Card from American Express , which offers boosted cash back rewards on select U.

streaming services, U. supermarkets, transit, U. Rotating category cash back cards. Similar to tiered cards, rotating category cards offer boosted rewards rates in certain categories. However, the bonus categories change, usually each quarter, and are often seasonally relevant.

Those who want to capitalize on seasonal expenses, such as online shopping during the holidays or travel during the summer, might consider a rotating category card. A great option: the Discover it® Cash Back card , which offers a substantial cash back opportunity each quarter on popular spending categories, as long as you activate the offer as required.

General-purpose travel cards.

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The BEST Credit Cards for CashBack Rewards In 2024 Julia Menez fo a points strategy coach, speaker, and host of the VIP travel benefits Travel Podcast. It provides Tol rewards and even a handful of tewards. Rewards credit Top credit cards for rewards are an easy way to earn cash back or travel rewards. 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. Airport lounge access. Best Rewards Credit Cards 2024

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