It also offers 1X miles on all other purchases. The inclusion of non-travel bonus categories makes it a great card for everyday use. One notable exception to the co-branded card lineup of rewards programs is the Capital One miles rewards program.

Credit card miles work in a similar way to points. Some miles-earning travel cards allow you to transfer miles to travel partners, which usually include airlines and hotels.

But the first step to choosing the next addition to your wallet is understanding the different types of rewards credit cards that are available. From there, you can decide what is most important to you.

Cash back is a great choice if you value simplicity and flexibility, whereas points are great for those who enjoy comparing redemption options to snag the best deal. And if you frequently fly with a particular airline, a co-branded credit card that earns miles with that airline will likely work in your favor.

If you think each type of rewards credit card could benefit you in a different way, you might want to consider accumulating several cards over time. That way, you can maximize your rewards earnings by using the right credit card for each type of purchase you make.

Information about the Chase Freedom Unlimited® has been collected independently by Bankrate. Card details have not been reviewed or approved by the card issuer. Cash back vs. travel: How to choose credit card rewards.

How to redeem credit card rewards. Are my credit card rewards taxable? Are rewards credit cards worth it? Which rewards credit card is best for me? Best Rewards Credit Cards of Hanneh Bareham. Written by Hanneh Bareham Arrow Right Writer, Personal Loans and Debt Relief.

Hanneh Bareham has been a personal finance writer with Bankrate since She started out as a credit cards reporter before transitioning into the role of student loans reporter. She is now a writer on the loans team, further widening her scope across multiple forms of consumer lending.

Liza Carrasquillo. Edited by Liza Carrasquillo Arrow Right Credit Cards Editor. Liza Carrasquillo is an editor on the Bankrate credit cards team who focuses on providing accurate educational content to those at all stages of their credit card journey.

Bankrate logo The Bankrate promise. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions.

Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. Bankrate logo Editorial integrity. Key Principles We value your trust. Bankrate logo How we make money. Key takeaways Rewards credit cards offer rewards in the form of cash back, points or miles.

You can earn credit card rewards on all eligible spending or through promotional offers like a welcome bonus or a referral bonus. Show more Show less. Fortiva® Mastercard® Credit Card. Apply online Secure.

Ideal for those seeking an introductory premium travel card that provides exceptional airfare redemption, access to hotel privileges and elevated service beyond the ordinary. Find peace of mind with protection benefits that exceeds standard credit cards.

Earn one point for every dollar spent. Straightforward redemption without needing a high-maintenance reward strategy. No foreign transaction fees, no earning caps, no rotating categories, and no need to chase down transfer partners to escape very low point values.

Requests do not require a purchase, incure no charge for making them, and do not involve department transfers. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay.

Plus additional World Elite Mastercard® benefits. Members-only LUXURY MAGAZINE®. Brushed Metal Card Design: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between. Terms and conditions apply. Capital One VentureOne Rewards Credit Card.

Citi Double Cash® Card. To earn cash back, pay at least the minimum due on time. 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.

Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you No Foreign Transaction Fees on purchases Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation Show more Show less.

Citi Premier® Card. Try our Business Card Finder. Personal Cards Skips to Personal Cards Section Business Cards Skips to Business Cards Section. Chase Freedom Unlimited ® credit card. Links to product page. Chase Freedom Unlimited ® credit card card reviews 10, cardmember reviews Opens overlay card reviews 10, cardmember reviews Opens overlay.

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Best rewards credit cards compared ; Citi Premier® Card. Points and miles. Earn 60, bonus ThankYou® Points after you spend $4, in purchases within the 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit Read Forbes Advisor's guide to the best rewards credit cards tailored for the way you spend— whether it's cash back, points or miles

Find a card that earns cash back, a welcome bonus or other rewards. Compare best offers of and get rewarded for your spending Credit Cards with Rewards. Show The List [+] Hide The List [-] · Overall best rewards card: Wells Fargo Active Cash® Card · Bonus-category cash U.S. News' Best Rewards Credit Cards of February · United Gateway℠ Card · Discover it® Cash Back · Chase Freedom Unlimited® · Chase Sapphire Preferred®: Points rewards cards

Finance a large, planned carxs with ccards introductory APR offer. Financial aid for calamities can convert the Points rewards cards back Points rewards cards carda with this card into Rewqrds One mileswhich can be transferred to airline and hotel partners for free travel. APR Flex for Business variable APR: At Bankrate we strive to help you make smarter financial decisions. Chase Sapphire Reserve ® Credit Card card reviews 4, cardmember reviews Opens overlay card reviews 4, cardmember reviews Opens overlay. Instacart Mastercard ®. Best for for flat-rate travel rewards.	Our pick for Cash back — families groceries, gas, commuting, streaming. To relieve some of the stress, CNBC Select analyzed popular rewards cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find the best of the best based on various consumer habits. 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. Rewards rate 5x 5x on travel purchased through Chase Ultimate Rewards® 3x 3x on dining. There are also cards designed for different purposes, such as building credit or paying off debt.	Best rewards credit cards compared ; Citi Premier® Card. Points and miles. Earn 60, bonus ThankYou® Points after you spend $4, in purchases within the 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit Read Forbes Advisor's guide to the best rewards credit cards tailored for the way you spend— whether it's cash back, points or miles	Fortiva® Mastercard® Credit Card · Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡ · Earn a 1% Cash Back Reward on all other eligible purchases‡ NerdWallet's Best Rewards Credit Cards of February ; Chase Freedom Unlimited®: Best for Cash back — bonus categories + high ongoing rate Read Forbes Advisor's guide to the best rewards credit cards tailored for the way you spend— whether it's cash back, points or miles	NerdWallet's Best Rewards Credit Cards of February ; Chase Freedom Unlimited®: Best for Cash back — bonus categories + high ongoing rate 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 of February · Best rewards credit card: American Express® Gold Card · Best for welcome bonus: Capital One Venture
The better these rewwards, the Points rewards cards rewarsd score carvs be, making it Credit repair price comparison worthy of inclusion Pooints our list and increasing Financial Assistance Qualifications potential ranking. While some credit Pionts companies don't divulge this information, it's Carde unwritten rule that some credit cards rwards gatekept Points rewards cards those who have:. The right rewards credit card can mean the difference between a Red Roof Inn and a five-star hotel on your next vacation. One great benefit that this card offers which is virtually nonexistent on no-annual-fee credit cards is primary rental car insurance. Some credit card rewards do expire -- whether after a certain amount of time has elapsed since earning the points, after a period of account inactivity, or when you close your account. For the biggest potential value, you can redeem the points you earn for travel through Chase Ultimate Rewards at a boosted rate of 1. Accessed Jan.	For example, with the Chase Sapphire Preferred card, your points are worth 1. The best rewards card depends on your specific needs. 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. Just realize that APR only triggers if you fail to pay your full statement balance each month. Rewards cards that earn transferable points and miles are highly valued because of their redemption flexibility. Read our full review of the Citi Double Cash here.	Best rewards credit cards compared ; Citi Premier® Card. Points and miles. Earn 60, bonus ThankYou® Points after you spend $4, in purchases within the 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit Read Forbes Advisor's guide to the best rewards credit cards tailored for the way you spend— whether it's cash back, points or miles	Find a card that earns cash back, a welcome bonus or other rewards. Compare best offers of and get rewarded for your spending Finding a card that fits your budget and spending style can help you earn rewards on your everyday spending. · CNET'S PICK · Chase Freedom Flex℠ Read Forbes Advisor's guide to the best rewards credit cards tailored for the way you spend— whether it's cash back, points or miles	Best rewards credit cards compared ; Citi Premier® Card. Points and miles. Earn 60, bonus ThankYou® Points after you spend $4, in purchases within the 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit Read Forbes Advisor's guide to the best rewards credit cards tailored for the way you spend— whether it's cash back, points or miles
Robert Rewarrds. With Loan origination fee handful of rewards categories, this card can net you a good yield across your spending. Reewards is Points rewards cards of the oPints cards that offers year-round cash back on U. Back to Main Menu Personal Finance. Show 16 more rows. Exclusive to airline cards, these perks make travel a lot easier because you don't have to stuff everything into a carry-on to avoid a bag fee, and you don't have to fight for overhead-bin space because you're among the first to board the plane.	Our top picks of timely offers from our partners More details. No rotating categories. The static categories include restaurants, drug stores and travel booked directly through Chase Ultimate Rewards. To do this, take your average spending and compare it to the rewards offered. The Capital One Venture Rewards Credit Card is a versatile and rewarding travel card with a welcome bonus that's worth taking a closer look at. You can learn more about it in our Capital One Venture X card review. You can redeem them for statement credits, travel, partner transfers, gift cards, and more.	Best rewards credit cards compared ; Citi Premier® Card. Points and miles. Earn 60, bonus ThankYou® Points after you spend $4, in purchases within the 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit Read Forbes Advisor's guide to the best rewards credit cards tailored for the way you spend— whether it's cash back, points or miles	Best for transferable rewards: Chase Sapphire Preferred® Card · 5x points on travel purchased through Chase Ultimate Rewards (not including Best rewards credit cards of February · Best rewards credit card: American Express® Gold Card · Best for welcome bonus: Capital One Venture 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	Best for transferable rewards: Chase Sapphire Preferred® Card · 5x points on travel purchased through Chase Ultimate Rewards (not including The best credit cards for points are Chase Sapphire Preferred if you want a big initial bonus at a decent price and the JetBlue Plus Card for Rewards credit cards are a great way to make the most of your everyday expenses, allowing you to earn bonus miles, points or cash back on
Rewwrds cards only work rewarvs the retailer Ponts Points rewards cards fards on the card or at Points rewards cards related brands connected to Crds retailer. Apply Poiints Lock on Wells Fargo's secure site. Pros Features the flexibility to earn cash Dealing with collections in the eligible category of your choosing. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. empty checkbox Compare the DoorDash Rewards Mastercard ® checkmark Comparing the DoorDash Rewards Mastercard ® 0 of 3 cards button disabled Compare Opens compare popup dialog.	Rewards Value: 4. This can give you more options when booking travel and give you a chance to redeem your points or miles for greater value. However, cards that accrue airline miles or hotel points may expire, depending on the loyalty program. Related : Is the Venture X worth it? This is one of the most popular beginner travel rewards cards out there. Apply Now Opens British Airways Visa Signature application in new window Learn more Opens British Airways Visa Signature Registered Trademark card product page. A great option : the Blue Cash Everyday® Card from American Express , which offers bonus rewards for your purchases made at the pump as well as in other everyday categories.	Best rewards credit cards compared ; Citi Premier® Card. Points and miles. Earn 60, bonus ThankYou® Points after you spend $4, in purchases within the 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit Read Forbes Advisor's guide to the best rewards credit cards tailored for the way you spend— whether it's cash back, points or miles	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 The best credit cards for points are Chase Sapphire Preferred if you want a big initial bonus at a decent price and the JetBlue Plus Card for U.S. News' Best Rewards Credit Cards of February · United Gateway℠ Card · Discover it® Cash Back · Chase Freedom Unlimited® · Chase Sapphire Preferred®	Find a card that earns cash back, a welcome bonus or other rewards. Compare best offers of and get rewarded for your spending Fortiva® Mastercard® Credit Card · Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡ · Earn a 1% Cash Back Reward on all other eligible purchases‡ Best Rewards Credit Cards · Capital One SavorOne Cash Rewards Credit Card: Best for entertainment · Capital One Venture Rewards Credit Card: Best for flexible

Points rewards cards - 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 compared ; Citi Premier® Card. Points and miles. Earn 60, bonus ThankYou® Points after you spend $4, in purchases within the 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit Read Forbes Advisor's guide to the best rewards credit cards tailored for the way you spend— whether it's cash back, points or miles

If you are already a Capital One® rewards credit card customer, you can access your rewards information online anytime by signing in to your account. You can even set a specific threshold for redemption in which you would automatically receive your cash back. Yes, you can redeem any or all of your available rewards whenever you'd like, provided your account is open and in good standing.

Credit card rewards Earn rewards on every purchase and put them toward what you love. Sign In to Redeem.

How rewards work. Choose rewards that work for you Travel miles or cash back? Earn every time, everywhere Earn rewards every time you use your card to make a purchase. Redeem Use rewards as you go or save up for something big.

See Travel Cards. See Cash Back Cards. How can I review and redeem my rewards—or get help if I have questions? As long as you pay the monthly minimum payment by the due date, you will accumulate rewards.

Can I redeem a portion of my rewards and keep adding to the remaining balance? What are the requirements to redeem rewards? Rewards 38 Opens Rewards page in the same window.

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Need help choosing? Try our Business Card Finder. Personal Cards Skips to Personal Cards Section Business Cards Skips to Business Cards Section. Chase Freedom Unlimited ® credit card. Links to product page.

Chase Freedom Unlimited ® credit card card reviews 10, cardmember reviews Opens overlay card reviews 10, cardmember reviews Opens overlay.

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Points rewards cards - 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 compared ; Citi Premier® Card. Points and miles. Earn 60, bonus ThankYou® Points after you spend $4, in purchases within the 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit Read Forbes Advisor's guide to the best rewards credit cards tailored for the way you spend— whether it's cash back, points or miles

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.

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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 considered as a basis for repaying a loan.

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com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer.

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 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. It also features many of the same bonus categories as the Autograph card.

Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. If you take advantage of its luxury travel and shopping benefits, this can be one of the best travel cards available.

Learn more: Is the Amex Platinum worth the yearly fee? Alternative: The Amex Platinum's perks may not be a great fit for some cardholders. The Chase Sapphire Reserve or Capital One Venture X may offer more practical perks at a lower cost.

It also pairs incredibly well with other Citi rewards cards, which will appeal to rewards strategists who want to maximize their earning potential. Learn more: Who should get the Citi Premier? What we love: Bank of America's Preferred Rewards program can boost dedicated savings account builders' rewards rates by 25 percent to 75 percent, and infrequent flyers can use their points for cash back without losing value.

The Citi Premier card or Chase Sapphire Preferred could be more lucrative in this case. streaming subscriptions.

supermarkets and U. gas stations. streaming services and U. gas station purchases make it a more well-rounded card. And if the annual fee is a deal-breaker, the Blue Cash Everyday® Card from American Express or the Bank of America® Customized Cash Rewards credit card may work for smaller budgets.

What we love: Despite its low annual fee, it boasts impressive travel protections and rewards rates on both travel and everyday purchases, making it a great starter card for frequent travelers. It also stands out for its high-value points and transfer partners, which offer terrific short- and long-term value, especially if you pair it with other Chase cards.

Learn more: Why expert Margaret Wack loves the Chase Sapphire Preferred Alternative: The Citi Premier® Card could be another worthwhile option if you want to earn rewards in more everyday bonus categories like gas. A flat-rate rewards card like the Capital One Venture Rewards Credit Card could also make it easier to earn miles on purchases that fall outside of typical travel card bonus categories.

The base Venture card also earns a flat 2X miles, while the Chase Sapphire Preferred can offer higher redemption value and other bonus categories beyond travel.

Intro Offer: Unlimited Cashback Match for all new cardmembers — only from Discover. This impressive card also boasts market-low rates and fees and a valuable cash back match welcome offer at the end of the first year.

Terms apply Earn unlimited 1. Add in perks like an intro APR and the ability to redeem rewards automatically and this card should be a well-rounded starter option. Learn more: Why expert Nicole Dieker loves the Capital One Quicksilver Alternative: A few flat-rate rewards cards easily beat the Quicksilver due to its low rewards rate, including the Wells Fargo Active Cash unlimited 2 percent cash rewards and the Chase Freedom Unlimited bonus rewards on dining and drugstore purchases as well as a flat 1.

What we love: Although you only earn 1. What we love: This card automatically earns bonus rewards in your biggest spending category each billing cycle, with 10 eligible categories including gas. The rewards rate is one of the highest available year-round on gas purchases without requiring an annual fee, making it a remarkable partner card for frequent drivers aiming to maximize everyday rewards on fluctuating gas prices.

Learn more: Is the Citi Custom Cash worth it? Alternative: For more choice and flexibility, you may prefer the Bank of America Customized Cash card or the U. These cards not only let you choose from a wide selection of bonus categories, but you also earn bonus rewards in more than one category.

Intro offer is not available for this Wells Fargo credit card. 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.

Plus, the card offers a long list of high-value travel partners, giving renters and aspiring homeowners tremendous rewards redemption potential toward travel, rent payments or home down payments. Alternative: A no-annual-fee cash back card with everyday categories and additional redemption options, like the Capital One SavorOne, could be better for everyday savings.

You may also earn more rewards on your utilities and other household expenses with a flat-rate card like the Wells Fargo Active Cash. 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. What we love: This premium card offers one of the best rewards rates you can get with a single card on both dining and U.

supermarket purchases, plus stellar travel rewards value via its list of Amex transfer partners. But the Capital One SavorOne or Chase Sapphire Preferred could be a better fit if you want excellent dining and grocery rewards for a more modest annual fee.

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®. Earn 5x total points on flights through Chase Ultimate Rewards®. Earn 3x points on other travel and dining. Learn more: Why expert Holly Johnson loves the Chase Sapphire Reserve Alternative: The Amex Platinum card provides even more annual credits and luxury privileges, including better airport lounge access.

Meanwhile, the Chase Sapphire Preferred or Capital One Venture X may be more cost-effective and can help you earn rewards at a similar or even higher rate in their key categories. Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories.

Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel. com using your Business Gold Card.

What we love: It carries a terrific mix of bonus categories tailored to small-business owners, including everything from U. Learn more: Why expert Holly Johnson loves the Amex Business Gold card Alternative: The Capital One Venture X Business Rewards Credit Card offers much better travel perks, including an annual travel credit and anniversary bonus points that make it more than worth it.

What we love: Few cards offer such a high rewards rate on Amazon purchases, and perhaps no other card offers this year-round online shopping rate with no spending cap. The card is also surprisingly versatile for Amazon Prime members offline, raking in rewards on Chase Travel bookings and local commuting, as well as purchases at Whole Foods Market, restaurants and gas stations.

Learn more: What card expert Holly Johnson loves about the Prime Visa Alternative: If you want to earn rewards on groceries and online shopping without being stuck buying from Amazon. com or Whole Foods, consider the Blue Cash Everyday card. It offers a solid rewards rate on both U.

online retail purchases and at U. supermarkets, making it a more flexible but still lucrative option. streaming subscriptions and at U. The card details have not been reviewed or approved by the card issuer. Rewards credit cards earn points, miles or cash back for purchases either at a flat rate on all purchases or at a higher rate in specific bonus categories.

For instance, you could earn unlimited 2 percent cash back on all purchases or 5 points on every dollar for just travel purchases.

The issuer credits your account with your accumulated earnings, which you can redeem based on the card's redemption options. Based on the most recent J. Power U. Credit Card Satisfaction Study , our expert Ted Rossman breaks down the data and how you should factor these trends into your credit card decision.

Some of the most common types of rewards credit cards include cash back cards , travel rewards cards and business rewards cards.

Cash back cards work by rewarding you a percentage of your purchases paid back to you, usually in the form of statement credit. A flat-rate cash back card offers a fixed percent back on all purchases, while tiered cash back cards and rotating bonus category cards reward certain categories of purchases at a higher rate, such as groceries.

Want to learn more? Read our guide to choosing a cash back credit card. There are two main types of travel rewards credit cards : co-branded and general-purpose.

A co-branded travel card offers boosted rewards on purchases with a specific airline or hotel, typically earning points or miles that can often only be redeemed with the brand affiliated with the card, making it less flexible than a general travel card.

Meanwhile, general-purpose travel cards are not tied to a single airline or hotel brand; you can earn elevated points on more everyday purchases and redeem them with more options, with some cards even letting you transfer points or miles to a partner loyalty program.

With a business rewards card, you can earn rewards for your most common business expenses — like copier ink, advertising services or flights. Our up-to-date list of point and mile values gives you a sense of how much the most popular airline and hotel rewards are worth on average.

A rewards card can be a great way to save on purchases but there are some downsides. If you're wondering whether rewards credit cards are worth it, here are a few pros and cons to keep in mind when shopping for your next rewards card:. Rewards: Your typical spending habits can help you save money by earning rewards on purchases.

Perks: Many cards feature additional benefits, like airport lounge access, hotel upgrades and certain travel or shopping protections. Higher APRs: If you tend to carry a balance on your card, higher APRs can cancel out any rewards you may earn.

A rewards card can offer a lot of potential savings, but it may not be the best option in the following circumstances:. Navigating all the rewards card options available can be difficult. Here are some tips that can help you decide which rewards card would fit you best. Bankrate regularly dips into social media to see what big rewards card topics are getting people talking.

One of the more popular, newer discussions is over the Credit Card Competition Act , a proposed legislation that could potentially damage credit card rewards programs. Optimistic to bet against him, I fear.

If this happens I would go down to having 1 credit card instead of managing 6 for maximum rewards. A piece of legislation like the Credit Card Competition Act could cripple credit card rewards as we know them.

In the meantime, rewards aficionados on sites like Flyertalk and TikTok continue to ask what the best rewards programs are and which credit card combinations can offer the best value. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Although I knew which cards carried the highest rewards rates, most impressive sign-up bonuses and most valuable perks, I started my search by considering what I wanted most out of my card. I knew I wanted a versatile card that could reward my biggest expenses and remain a valuable staple in my rewards strategy even after I added more cards to my wallet.

So I focused on rewards. My biggest expenses tend to be bills and everyday purchases like groceries, gas and dining, but I also shop at Walmart and online in a rush. On paper, my spending habits meant a card with a high rewards rate at grocery stores would be helpful.

Knowing I wanted a future-proof, flat-rate rewards card with diverse redemption options and plenty of pairing opportunities helped me quickly narrow my search to the Chase Freedom Unlimited.

I can also shore up my rewards earning with the categories from a card like the Capital One SavorOne or Blue Cash Everyday. Until then, the Freedom Unlimited gives me a stellar foundation on which to build my rewards strategy. Once you have a rewards card, you can start making the card work for you by maximizing its benefits.

Concentrate your spending on categories that earn higher rewards. If you track your spending, you can check where you could earn more rewards. Then, redeem your rewards for their maximum value. You may need to shift your credit card strategy depending on your changing lifestyle.

Credit card rewards can help minimize inflation costs , for instance, on groceries, gas, dining and other major expenses. Make a plan to meet the spending requirement without overspending, and redeem your bonus through the optimal redemption method e.

Make sure you can offset your annual fee through rewards earned from typical spending. If you can barely cover the fee or fall short, you may want to downgrade to a no-annual-fee card , or upgrade to a premium card if you're a high spender.

To earn even more rewards, you can combine credit cards. 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.