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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 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.

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. Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.

No foreign transaction fees. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

For example, you can convert your points into airline miles or hotel points—or you can redeem them for travel through the Chase Travel Portal at a rate between 1. This card comes with thousands of dollars in statement credits. For a frequent traveler, many of those credits can be nearly as good as cash.

This card offers the most comprehensive airport lounge access you can find. The card earns Amex Membership Rewards points, some of the most valuable in the travel game. You can transfer them to 20 different airline and hotel loyalty programs.

You can convert your rewards into British Airways Avios, Delta SkyMiles , Hilton points , and many more. Those who find bonus categories appealing should stay away, but anyone valuing simplicity has found their new daily driver. A minimum of 1. If the bulk of your small business spending falls into categories outside shipping, online advertising, computer hardware, etc.

While this card is marketed to be a cash back credit card, it actually earns Chase Ultimate Rewards points. Holding one of these cards unlocks the ability to convert your rewards into Southwest Airlines miles , United miles , and more.

One great benefit that this card offers which is virtually nonexistent on no-annual-fee credit cards is primary rental car insurance. The only catch is that you must be renting the car for business purposes.

The card begins enhancing your travel before you even leave the house. This perk is otherwise reserved for those with elite status, and it can potentially save you many tens of thousands of miles during a single trip. The card even comes with one free checked bag for you and a companion on your reservation.

You must pay with the card to receive this benefit. These programs offer varying degrees of expedited airport security. All three allow you to speed through TSA security checkpoints without removing your shoes or jacket. You even get to keep your laptop in your bag.

The card confers preferred boarding, too. However, those other cards become all but useless after that window closes. Even better, this card earns Citi ThankYou points which can be redeemed at 1 cent per point instead of cash. To boot, the card offers waived foreign transaction fees and statement credits to reimburse the cost of Uber One membership through Nov.

To open a Capital One student credit card, you must be enrolled in a higher education institution think an accredited university or community college —or at the very least admitted with intent to enroll within the next three months. You can then transfer these points to airline and hotel partners such as Singapore Airlines, Avianca, and Choice Privileges for free travel.

The charm of a starter credit card is that those with poor or zero credit can be approved. It earns:. The card also reviews your credit usage and considers you for an automatic credit line increase in as little as six months. You can convert the cash back you earn with this card into Capital One miles , which can be transferred to airline and hotel partners for free travel.

Just realize that APR only triggers if you fail to pay your full statement balance each month. The card offers free Uber One membership in the form of monthly statement credits through Nov. You can then transfer your rewards to airline and hotel loyalty programs that partner with Capital One.

Why we chose it : There are a lot of Visa credit cards out there. As you can see, this card justifies its annual fee better than just about any other Visa card out there. 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.

The Chase Sapphire Preferred® Card has long been a best-in-class mid-tier rewards card because of its great earnings-to-annual-fee relationship Best rewards credit cards compared ; Citi Custom Cash® Card. Cash back. Earn $ in cash back after you spend $ on purchases in the first 6 months of 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit

Best credit card rewards program - A clear benefit of rewards credit cards is the ability to earn cash back, miles or points just for using your credit card. Rewards programs can be a great way The Chase Sapphire Preferred® Card has long been a best-in-class mid-tier rewards card because of its great earnings-to-annual-fee relationship Best rewards credit cards compared ; Citi Custom Cash® Card. Cash back. Earn $ in cash back after you spend $ on purchases in the first 6 months of 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit

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. com is an independent, advertising-supported comparison service.

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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 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. Holding one of these cards unlocks the ability to convert your rewards into Southwest Airlines miles , United miles , and more. One great benefit that this card offers which is virtually nonexistent on no-annual-fee credit cards is primary rental car insurance.

The only catch is that you must be renting the car for business purposes. The card begins enhancing your travel before you even leave the house. This perk is otherwise reserved for those with elite status, and it can potentially save you many tens of thousands of miles during a single trip.

The card even comes with one free checked bag for you and a companion on your reservation. You must pay with the card to receive this benefit. These programs offer varying degrees of expedited airport security.

All three allow you to speed through TSA security checkpoints without removing your shoes or jacket. You even get to keep your laptop in your bag. The card confers preferred boarding, too.

However, those other cards become all but useless after that window closes. Even better, this card earns Citi ThankYou points which can be redeemed at 1 cent per point instead of cash. To boot, the card offers waived foreign transaction fees and statement credits to reimburse the cost of Uber One membership through Nov.

To open a Capital One student credit card, you must be enrolled in a higher education institution think an accredited university or community college —or at the very least admitted with intent to enroll within the next three months.

You can then transfer these points to airline and hotel partners such as Singapore Airlines, Avianca, and Choice Privileges for free travel. The charm of a starter credit card is that those with poor or zero credit can be approved.

It earns:. The card also reviews your credit usage and considers you for an automatic credit line increase in as little as six months. You can convert the cash back you earn with this card into Capital One miles , which can be transferred to airline and hotel partners for free travel.

Just realize that APR only triggers if you fail to pay your full statement balance each month. The card offers free Uber One membership in the form of monthly statement credits through Nov.

You can then transfer your rewards to airline and hotel loyalty programs that partner with Capital One. Why we chose it : There are a lot of Visa credit cards out there. As you can see, this card justifies its annual fee better than just about any other Visa card out there.

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.

Some of the most popular and most widely marketed credit cards are general purpose travel rewards cards. The Capital One Venture Rewards Credit 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 A clear benefit of rewards credit cards is the ability to earn cash back, miles or points just for using your credit card. Rewards programs can be a great way: Best credit card rewards program

Credit score tracker Citi Premier is a solid travel Bes choice with a plethora of travel partners and solid earning rates. Proggram cards, Fast debt consolidation, may pdogram you the Best credit card rewards program proyram rate for statement credit, but a lower rate if you redeem points for gift cards. Capital One Venture Rewards Credit Card. It usually has a pretty solid sign-up bonus, with points that can be transferred to some of my favorite loyalty programs, like British Airways Executive Club and World of Hyatt. See our best airline cards for other options. Regular APR	With a handful of rewards categories, this card can net you a good yield across your spending. What we love: This card automatically earns bonus rewards in your biggest spending category each billing cycle, with 10 eligible categories including gas. Citi Custom Cash® Card Citi Custom Cash® Card. You can typically redeem miles for travel expenses, including airfare, upgrades, and other benefits. Prime Visa Prime Visa. Airport lounge access. This could hold you back if you spend heavily in one category or share the account among multiple households.	The Chase Sapphire Preferred® Card has long been a best-in-class mid-tier rewards card because of its great earnings-to-annual-fee relationship Best rewards credit cards compared ; Citi Custom Cash® Card. Cash back. Earn $ in cash back after you spend $ on purchases in the first 6 months of 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit	$ Online Cash Rewards Bonus Offer & Earn 3% Cash Back In Your Favorite Choice Category The best rewards credit cards make it easy to earn points, miles and cash back without overspending. Read our in-depth analysis of the top Some of the most popular and most widely marketed credit cards are general purpose travel rewards cards. The Capital One Venture Rewards Credit	NerdWallet's Best Rewards Credit Cards of February ; Chase Freedom Unlimited®: Best for Cash back — bonus categories + high ongoing rate Standout rewards: Chase Sapphire Preferred Card members earn bonus points on travel, streaming services, online grocery purchases and dining A clear benefit of rewards credit cards is the ability to earn cash back, miles or points just for using your credit card. Rewards programs can be a great way
Crsdit are so many options among rewards credit Bewt that picking the right one for peogram can Rewrds daunting. The free version crexit a good choice Quick loan eligibility people who just want to know their rewards balances, their rewqrds transactions and how much Rewarxs earned on their purchases. Many cards that rwards miles are Retiree debt planning co-branded Best credit card rewards program cards, making them a good choice for travelers who prefer flying with a specific brand each time. Consider Capital One cards -- rather than cashing out your Capital One points as a statement credit, for example, you could transfer 35, Capital One points to Avianca LifeMiles and book a business class flight from New York City to Portugal with those points. Here are some of the most common options: Statement credit: A reduction or credit applied directly to your credit card balance. Alternatives to rewards credit cards How to apply for a rewards card FAQs Other credit cards we tested Our methodology. From our experts Based on the most recent J.	Plans created after that will have a monthly plan fee up to 1. The details on financial products, including card rates and fees, are accurate as of the publish date. 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 Annual Fee. However, you will find that many points-earning cards offer great travel rewards and redemptions.	The Chase Sapphire Preferred® Card has long been a best-in-class mid-tier rewards card because of its great earnings-to-annual-fee relationship Best rewards credit cards compared ; Citi Custom Cash® Card. Cash back. Earn $ in cash back after you spend $ on purchases in the first 6 months of 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit	The Chase Sapphire Preferred® Card has long been a best-in-class mid-tier rewards card because of its great earnings-to-annual-fee relationship Some of the most popular and most widely marketed credit cards are general purpose travel rewards cards. The Capital One Venture Rewards Credit American Express Membership Rewards; Bilt Rewards; Brex Rewards; Capital One Rewards; Chase Ultimate Rewards®; Citi ThankYou Points. While all of them are good	The Chase Sapphire Preferred® Card has long been a best-in-class mid-tier rewards card because of its great earnings-to-annual-fee relationship Best rewards credit cards compared ; Citi Custom Cash® Card. Cash back. Earn $ in cash back after you spend $ on purchases in the first 6 months of 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit
gas stations. Bet Citi Double Cash offers one of the Best credit card rewards program rewards rewardss for a credit card without an annual fee. What's your employment status? Credit card issuers have no say or influence in our ratings. However, this does not influence our evaluations.	Bottom line : The Blue Cash Preferred is a top American Express card. A strong balance transfer rewards card Citi Double Cash® Card. 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. supermarkets and flights. Earn points by using your credit card or shopping on the Earn More Mall® site. 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. You can take advantage of this offer when you apply now.	The Chase Sapphire Preferred® Card has long been a best-in-class mid-tier rewards card because of its great earnings-to-annual-fee relationship Best rewards credit cards compared ; Citi Custom Cash® Card. Cash back. Earn $ in cash back after you spend $ on purchases in the first 6 months of 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit	Some of the most popular and most widely marketed credit cards are general purpose travel rewards cards. The Capital One Venture Rewards Credit The best rewards credit cards make it easy to earn points, miles and cash back without overspending. Read our in-depth analysis of the top The Chase Freedom Flex℠ is the best rewards credit card overall because it offers a valuable sign-up bonus and generous rewards rate	Why we like it: The Chase Sapphire Preferred would be a great rewards card for its price based on the range of rewards categories and benefits One of the best credit cards for points is Chase Sapphire Reserve® because it gives 1 - 10 points per $1 spent, plus an initial bonus of 60, The best rewards credit cards make it easy to earn points, miles and cash back without overspending. Read our in-depth analysis of the top
You even get to keep Fast debt consolidation laptop in your bag. purchases at Instant approval loans, Grubhub, and Office Supply Stores. Bext purchases: Prograj, cardholders earn a csrd number of miles for every dollar they spend. Power U. As for points redemptions, this card is best if you want to use your Membership Rewards points for future flights. The automatic credit line review is a great way to score a higher credit limit without any extra upfront deposit and bring down your credit utilization, a major factor in your credit score.	Missing payments results in late fees and harm to your credit. Best for rotating bonus categories. com, Bankrate, CNET. 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. The Platinum Card® from American Express. Frequently asked questions How do credit card rewards work?	The Chase Sapphire Preferred® Card has long been a best-in-class mid-tier rewards card because of its great earnings-to-annual-fee relationship Best rewards credit cards compared ; Citi Custom Cash® Card. Cash back. Earn $ in cash back after you spend $ on purchases in the first 6 months of 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit	American Express Membership Rewards; Bilt Rewards; Brex Rewards; Capital One Rewards; Chase Ultimate Rewards®; Citi ThankYou Points. While all of them are good Some of the most popular and most widely marketed credit cards are general purpose travel rewards cards. The Capital One Venture Rewards Credit A clear benefit of rewards credit cards is the ability to earn cash back, miles or points just for using your credit card. Rewards programs can be a great way	Reward cards ; Credit One Bank® Platinum Visa® for Rebuilding Credit · reviews · 1% ; Capital One QuicksilverOne Cash Rewards Credit Card · reviews · % - American Express Membership Rewards; Bilt Rewards; Brex Rewards; Capital One Rewards; Chase Ultimate Rewards®; Citi ThankYou Points. While all of them are good The Chase Sapphire Preferred® Card offers the best travel credit card rewards program at the $95 price point, particularly if you're willing to

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