EMV Cards with Chip 39 Opens EMV Cards with Chip page in the same window. Card Brands Chase Sapphire 2 Opens Chase Sapphire brands page in the same window. Chase Freedom 3 Opens Chase Freedom brands page in the same window. Chase Slate Opens Chase Slate page in the same window. Southwest 5 Opens Southwest brands page in the same window.

United 6 Opens United brands page in the same window. Marriott Bonvoy 3 Opens Marriott Bonvoy brands page in the same window. Avios 3 Opens Avios brands page in the same window. Disney 2 Opens Disney brands page in the same window. IHG 3 Opens IHG brands page in the same window.

World of Hyatt 2 Opens World of Hyatt brands page in the same window. Ink Business 4 Opens Ink Business brands page in the same window. Amazon 2 Opens Amazon brands page in the same window. Aeroplan Opens Aeroplan page in the same window. Instacart Opens Instacart page in the same window.

DoorDash Opens DoorDash page in the same window. More Chase Products. Checking Opens Chase. com checking in a new window Savings Opens Chase.

com savings in a new window CDs Opens Chase. com CDs in a new window Auto Opens Chase. com auto loans in a new window Mortgage Opens Chase. com mortgage in a new window Home equity Opens Chase.

com home equity in a new window Investing Opens Chase. com investing in a new window Business banking Opens Chase. com business banking in a new window Commercial banking Opens Chase. com commercial banking in a new window. Credit cards home Opens home page in the same window. Browse all Opens All Cards category page in the same window.

New Cardmember Offer. Annual Fee. Foreign Transaction Fee. Earning Rewards. Using Rewards. Additional Benefits. Begin Compare modal overlay. Close Close Overlay Begin Compare modal content Add Card to Compare. Personal Credit Cards Updates page content.

card reviews 10, cardmember reviews. Chase Freedom Unlimited ® credit card Earn cash back for every purchase. Chase Freedom Unlimited ® credit card. Chase Freedom Flex ® Credit Card Earn cash back for every purchase. Chase Freedom Flex ® Credit Card.

Chase Freedom Rise SM Credit Card Best for: New to Credit and Students. Chase Freedom Rise SM Credit Card. Slate Edge ® credit card. card reviews 7, cardmember reviews.

Chase Sapphire Preferred ® credit card. card reviews 4, cardmember reviews. Chase Sapphire Reserve ® Credit Card Exceptional travel rewards and benefits. Chase Sapphire Reserve ® Credit Card. Prime Visa. Amazon Visa. card reviews 2, cardmember reviews. A credit card's annual percentage rate APR is the interest on a credit account.

Many credit cards have introductory or promotional APR offers, meaning you'll get a low or zero-percent interest rate for a period of time, typically 12 to 21 months. Low-interest and zero-interest introductory offers give cardholders more time to pay down debts or make large purchases without added interest costs.

Just keep in mind that these introductory rates don't last forever. Once the introductory offer ends, you will be charged the card's regular, ongoing interest rate on any balances you carry over after each billing cycle. Similar to zero-interest cards, a balance transfer card lets cardholders transfer their balances from one card to another for a temporary relief from interest while they pay off the balance.

Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card. You can earn rewards at either a flat rate on all purchases or higher rewards rates for specific spending categories like dining or gas.

Reward earnings can be unlimited or have spending caps, depending on the card. Points and miles are often associated with travel cards and can be redeemed for travel-related purchases like airfare, hotels and car rentals. Cash back rewards are often redeemed for statement credits, direct deposits, merchandise or even gift cards.

In addition to base rewards, some cards will offer sign-up bonuses , which are bulk rewards credited to your account after spending a certain amount in the first few months. The best sign-up bonuses are proportional to the required spend, and you should pick a card based on how well it fits your long-term needs, not just for lucrative points or miles.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money.

Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. 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.

See our methodology for more information on how we choose the best rewards credit cards. To determine which rewards credit cards offer the best value, CNBC Select analyzed of the most popular credit cards available in the U. that offer rewards programs, from cash back to points and miles.

We compared each card on a range of features, including rewards, welcome bonus, introductory and standard APR, balance transfer fees and foreign transaction fees, as well as factors such as required credit score and customer reviews when available.

We also considered additional perks, the application process and how easy it is for the consumer to redeem points. Select teamed up with location intelligence firm Esri. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the Consumer Expenditure Surveys from the Bureau of Labor Statistics.

You can read more about their methodology here. General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses.

CNBC Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases.

All rewards total estimations are net the annual fee. It's important to note the value of a point or mile varies from card to card and based on how you redeem them. Extreme optimizers might be able to achieve more value. Our final picks are weighted heavily toward the highest five-year returns since it's generally wise to hold onto a credit card for years.

This method also avoids giving an unfair advantage to cards with large welcome bonuses. While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your shopping habits.

Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date. Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.

Sign up here. For rates and fees of the American Express® Gold Card, please click here. For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

For rates and fees of The Platinum Card from American Express®, please click here. Information about Amazon credit cards has been collected independently by Select and has not been reviewed or provided by the issuer prior to publication; if you purchase something through Select links, we may earn a commission.

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. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc. Skip Navigation. Credit Cards. Follow Select.

Our top picks of timely offers from our partners More details. Choice Home Warranty. National Debt Relief. LendingClub High-Yield Savings.

Freedom Debt Relief. UFB Secure Savings. Select independently determines what we cover and recommend. We earn a commission from affiliate partners on many offers and links.

Read more about Select on CNBC and on NBC News , and click here to read our full advertiser disclosure. Learn More. On the American Express secure site. Rewards 4X Membership Rewards® points at Restaurants plus takeout and delivery in the U.

Uber Eats orders and U. Uber rides card must be added to Uber app to receive the Uber Cash benefit Strong rewards program with 4X points earned at restaurants and 3X points earned on flights booked directly with airlines or amextravel. View More. On Capital One's secure site. Rewards 5 Miles per dollar on hotel and rental cars booked through Capital One Travel, 2X miles per dollar on every other purchase.

On Chase's Secure site. Rewards Enjoy 4. Pros No annual fee Rewards can be transferred to a Chase Ultimate Rewards card Generous welcome bonus. Variable APRs will not exceed gas stations and on transit. Cons 2. com and Whole Foods Market No fee charged on purchases made outside the U.

com or at Whole Foods Market. On Chase's secure site. Rewards None. Pros No annual fee Balances can be transferred within 4 months from account opening One of the longest intro periods for balance transfers.

On Discover's secure site. Pros Cash-back program Generous welcome bonus. citizen and college student to apply for this card. Discover will match all the cash back you've earned at the end of your first year.

Pros Cash-back program Generous welcome bonus Starting at seven months from account opening, Discover will automatically review your credit card account to see if you can transition to an unsecured line of credit and return your deposit. Information about the Capital One Savor Cash Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Benefit renews annually. Enrollment required. Plus Up Benefits not eligible. Rewards 4X points at restaurants, including takeout and delivery in the U. Welcome bonus Earn an additional 1. Rewards 10X points on hotels and car rentals purchased through the Chase Ultimate Rewards site 10X points on Lyft rides through Mar.

Rewards 5X points on travel purchases through Chase Ultimate Rewards 5X points on Lyft rides through Mar. Cash back : Receive a percentage of spending back, directly related to how much you spent.

Points and miles : Earn points or miles on purchases. The value of one point or one mile isn't always equal to one cent. They might be worth more or less than a penny depending on the credit card you have and the way you redeem rewards. Typically, you can earn points and miles on travel rewards credit cards.

Additionally, rewards cards can be broken down into three groups based on how you earn rewards: Flat-rate rewards: This type of rewards credit card comes with a single rewards rate that applies to all purchases. For instance, the Chase Sapphire Reserve® from our list of the best travel rewards credit cards offers 10X points on hotels and car rentals and 5X points on flights booked through Chase Ultimate Rewards, plus 3X points on dining and all other travel purchases.

Any purchases outside of these categories only earn 1X points. Rotating categories: This type of card offers a higher rewards rate in specific bonus categories that change every quarter. You need to activate the categories every quarter to earn bonus cash back.

What is a rewards credit card?

We analyzed rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card Compare credit cards for all credit scores. Free credit card comparison tools to help you compare credit cards, find the best deal

Video

Credit card rewards comparison chart - U.S. News' side-by-side credit card comparison can help you find the right card to maximize rewards, pay down debt, and save money on interest We analyzed rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card Compare credit cards for all credit scores. Free credit card comparison tools to help you compare credit cards, find the best deal

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. And if you let your balances get out of control, your cards can become extremely difficult to pay off.

However, cards that accrue airline miles or hotel points may expire, depending on the loyalty program. For example, Hilton Honors points expire after 24 consecutive months with no account activity.

But you can extend this expiration simply by swiping your Hilton card and earning even a single point every 24 months. But there are known to be exceptions.

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

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

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

To learn more, see our About page. Personal Finance Credit Cards Best Rewards Credit Cards by Sarah Hostetler.

Updated February 11, There are loads of rewards credit cards to choose from—but which is the best card for you depend on a few things: Your financial goals. Your spending habits. Your credit score. Credit score. Intro APR. Skip to content.

Advertiser disclosure. Credit Cards. By Matt Moffitt. Matt Moffitt Senior credit cards editor. Matt Moffitt is TPG's senior credit cards editor and an expert in getting the most out of credit cards and points.

He has at least 25 cards in his wallet at any given time. Originally from Sydney, he won the green card lottery and has been based in Austin since and Christina Ly. Christina Ly Credit Cards Writer. Christina Ly is a writer at TPG. She has covered credit cards and personal finance topics since joining the team in Edited by Summer Hull.

Summer Hull Director of Content. Summer Hull has been covering and using travel tips, rewards credit cards and loyalty programs for over a decade. She has flown close to a million miles, often on points and miles and with her family in tow. Reviewed by Stanley Sanford. Stanley Sanford Senior Compliance Associate.

Senior compliance associate Stanley Sanford has years of compliance experience in the credit card industry dating back to He's reviewed content for several reputable sites, including CreditCards. com, Bankrate, CNET. and even thepointsguy.

com before leading the compliance team for The Points Guy full time in early Updated Feb. At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending.

Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content , points valuations and card analysis are entirely our own.

Chase Sapphire Preferred® Card : Best for beginner travelers. Capital One Venture Rewards Credit Card : Best for airline rewards. The Platinum Card® from American Express : Best for luxury benefits.

American Express® Gold Card : Best for dining rewards at restaurants. Capital One Venture X Rewards Credit Card : Best for airline rewards. Ink Business Preferred® Credit Card : Best for maximizing business purchases. Citi Premier® Card : Best for starter travel.

Ink Business Unlimited® Credit Card : Best for freelancers. Blue Cash Preferred® Card from American Express : Best for U. streaming rewards. Citi Double Cash® Card : Best for no-frills cash-back rewards. Chase Freedom Unlimited® : Best for bonus categories.

Bank of America® Travel Rewards credit card : Best for travel rewards beginners. Capital One SavorOne Cash Rewards Credit Card : Best for entertainment rewards.

The Business Platinum Card® from American Express : Best for travel perks. Wells Fargo Active Cash® Card : Best for flat-rate earning. Blue Cash Everyday® Card from American Express : Best for cash back beginners. Browse by card categories Cash Back.

Best Overall. Everyday Spending. Best for beginner travelers. Chase Sapphire Preferred® Card. Compare this card. Apply now. at Chase's secure site. Rewards rate 5x 5x on travel purchased through Chase Ultimate Rewards® 3x 3x on dining.

Annual Fee. Regular APR. Recommended Credit Open Credit score description 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. Why We Chose It The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit cards on the market.

VIEW MORE. Member FDIC. Best for airline rewards. Capital One Venture Rewards Credit Card. at Capital One's secure site. 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.

Why We Chose It When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. Cons A couple of partners' transfer ratios are mediocre at a less than ratio.

Capital One airline partners do not include any large U. Best for luxury benefits. The Platinum Card® from American Express. at American Express's secure site. Why We Chose It The Amex Platinum is unmatched when it comes to travel perks and benefits.

Pros The current welcome offer on this card is quite lucrative. The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

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

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

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

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

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

Pros 4 points per dollar on dining at restaurants and U. Cons Weak on travel and everyday spending bonus categories Not as effective for those living outside the U.

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U. Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel. com, Milk Bar and select Shake Shack locations. Experience credit varies by property. Choose the color that suits your style.

Gold or Rose Gold. No Foreign Transaction Fees. Capital One Venture X Rewards Credit Card. Rewards rate 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel 5 Miles 5 Miles per dollar on flights booked through Capital One Travel 2 Miles 2 Miles per dollar on every purchase, every day.

Lower Spend Threshold. Best for maximizing business purchases. Ink Business Preferred® Credit Card. Best for starter travel. Citi Premier® Card.

at Citi's secure site. Why We Chose It The Citi Premier is a solid travel card choice with a plethora of travel partners and solid earning rates. com No expiration and no limit to the amount of points you can earn with this card No Foreign Transaction Fees on purchases.

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

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

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

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

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

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

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

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

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

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

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

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

That means instead of earning an unlimited 1. Contactless Cards - The security of a chip card, with the convenience of a tap.

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now. Best for no annual fee. at Wells Fargo's secure site. Rewards rate 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

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

It also comes with a 20,point welcome bonus and an introductory APR offer on purchases. Cons Despite the lucrative earning structure, Wells Fargo doesn't offer any ways to maximize your redemptions — you're limited to fixed-value rewards like gift cards and statement credits.

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

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

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

No fee for amounts transferred at the Transfer APR. Best for travel perks. The Business Platinum Card® from American Express.

Rewards rate 5X 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel. com 1. Why We Chose It The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips.

International Airline Program; and Cruise Privileges Program. Limited high bonus categories outside of travel. com, and 1X points for each dollar you spend on eligible purchases. Earn 1. wireless service providers. The American Express Global Lounge Collection® can provide an escape at the airport.

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

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

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

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

Open Rewards rates 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel 5 Miles 5 Miles per dollar on flights booked through Capital One Travel 2 Miles 2 Miles per dollar on every purchase, every day. maximizing business purchases. starter travel. Open Rewards rates 1.

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

entertainment rewards. travel perks. Open Rewards rates 5X 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel. flat-rate earning. cash back beginners. Chase Sapphire Preferred® Card What we love Who it's for Why it's in my wallet Alternatives.

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

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

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

Bank of America® Travel Rewards credit card What we love Who it's for Why it's in my wallet Alternatives.

Capital One SavorOne Cash Rewards Credit Card What we love Who it's for Why it should be in your wallet Alternatives. The Business Platinum Card® from American Express What we love Who it's for Why it's in my wallet Alternatives. Wells Fargo Active Cash® Card What we love Who it's for Why it's in my wallet Alternatives.

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

Comparison of the top cards for airfare. Card, Airfare category bonus, Value of the points*, Total earned per dollar spent, Annual fee Compare up to 3 credit cards from our partners using the side-by-side card comparison tool below. Search for a credit card you have in mind or browse our list Our online credit card comparison tool allows you to evaluate cards side by side. You can compare travel cards against each other, for example, or only compare: Credit card rewards comparison chart

Free checked bags and Swift financial solutions cokparison. Standout rewards cjart Capital Credit card rewards comparison chart Savor Comparidon Swift financial solutions card members earn bonus cash back on dining, entertainment Debt consolidation tips, streaming services and at compzrison stores. The Conparison Cash card earns Citi ThankYou Rewards points as follows: 1 point per dollar on all purchases and another 1 point per dollar on payments made against your balance. Terms, conditions and limitations apply. Remember there are cards with annual fees that cannot be recouped by benefits or rewards, so compare credit cards thoroughly or opt for a credit card with no annual fee.	The Platinum Card® from American Express : Best for luxury benefits. Both systems measure your credit activity, payment history, credit utilization and the length of your credit history to calculate a score. Best hotel credit cards. The most common fees include annual fees, late payment fees, cash advance fees and balance transfer fees. With reporting to all three credit bureaus, you can get credit for all of your hard work. The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway. Personal Loans Personal Loans.	We analyzed rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card Compare credit cards for all credit scores. Free credit card comparison tools to help you compare credit cards, find the best deal	We analyzed rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find Compare credit cards for all credit scores. Free credit card comparison tools to help you compare credit cards, find the best deal Compare up to three credit cards from our partners using the side-by-side card comparison tool below. Search for a credit card you have in mind or browse	Compare up to three credit cards from our partners using the side-by-side card comparison tool below. Search for a credit card you have in mind or browse Our online credit card comparison tool allows you to evaluate cards side by side. You can compare travel cards against each other, for example, or only compare U.S. News' side-by-side credit card comparison can help you find the right card to maximize rewards, pay down debt, and save money on interest
It's that simple. Swift financial solutions stations Lower monthly payments. Earn unlimited 3X points Cgedit restaurants, charg, gas stations, cchart, popular streaming services and phone Credit card rewards comparison chart. Earn compadison Membership Rewards® Points at Restaurants, plus takeout and delivery in the U. PRODUCTS AND BENEFITS MENTIONED IN REVIEWS MAY CHANGE OVER TIME. Your deposit is usually equal to the credit limit on the card — the more you deposit, the higher your limit. Choosing the best rewards credit card and then maximizing the rewards you earn will vary depending on your personal goal s.	General-purpose travel cards — including the Chase Sapphire Preferred® Card , the American Express® Gold Card and the Capital One Venture Rewards Credit Card — give you rewards that can be used like cash to pay for travel or that can be exchanged for points in airline or hotel loyalty programs. That being said, many of these payments will still code according to the services offered by the merchant i. An added perk is if the card provides rental car elite status to add ancillary benefits. However, after seven months, Discover will automatically review your account to see if you qualify for an upgrade to an unsecured credit card. streaming subscriptions, on transit and at U.	We analyzed rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card Compare credit cards for all credit scores. Free credit card comparison tools to help you compare credit cards, find the best deal	CompareCards gives a foolproof way to select a card based on your desired benefits ie: airline miles, cash back or opportunity for balance transfer. Thank you 4 Credit Card Comparison Charts: Rewards, Fees, Rates & Scores (Feb. ) · Credit Card Rewards Comparison Chart · Bank of America® Customized Cash Rewards Our online credit card comparison tool allows you to evaluate cards side by side. You can compare travel cards against each other, for example, or only compare	We analyzed rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card Compare credit cards for all credit scores. Free credit card comparison tools to help you compare credit cards, find the best deal
Citi Simplicity® Crecit. And there chagt Veterans financial support grace Credit score improvement to pay off the advance; you begin accruing interest Swift financial solutions moment you get the cash. Zero credit risk to apply! Cash advances can get pretty expensive. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance.	Are rewards credit cards worth it? Southwest Rapid Rewards ® Priority Credit Card. Open Rewards rates 5x 5x on travel purchased through Chase Ultimate Rewards® 3x 3x on dining. The Capital One SavorOne Cash Rewards Credit Card is a nice option for people who like a night out. Freedom Debt Relief. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product.	We analyzed rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card Compare credit cards for all credit scores. Free credit card comparison tools to help you compare credit cards, find the best deal	Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card Comparison of the top cards for airfare. Card, Airfare category bonus, Value of the points*, Total earned per dollar spent, Annual fee ThePointCalculator · CreditCardTuneUp · SiftSwift · CreditIntro · NerdWallet	Browse by card categories. Comparing the best rewards credit cards. More details on the best credit cards. Maximizing rewards credit cards. How Our credit card comparison table allows you to easily compare credit card offers. Read expert reviews for popular cards NerdWallet's Best Rewards Credit Cards of February ; Chase Freedom Unlimited®: Best for Cash back — bonus categories + high ongoing rate
Slate Edge compariwon credit card. Ryan Credit card rewards comparison chart. Chase Ultimate Rewards Adjustable loan durations one of the Swift financial solutions rewards programs for good reason. Vomparison can then transfer these points to airline and hotel partners such as Singapore Airlines, Avianca, and Choice Privileges for free travel. You'll get the most value from your Membership Rewards points when redeeming for travel through transfer partners. Capital One SavorOne Cash Rewards Credit Card. com checking in a new window Savings Opens Chase.	You can read more about their methodology here. Proceed Button link opens in a new window. Free, online credit score access for cardholders. Advertiser disclosure. Today, we'll look at common bonus categories where you may be making purchases and highlight cards with strong earnings in these categories. FULL LIST OF EDITORIAL PICKS: BEST REWARDS CREDIT CARDS. Rewards rates Rewards credit cards typically offer points, miles or cash back based on a percentage of your spending.	We analyzed rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card Compare credit cards for all credit scores. Free credit card comparison tools to help you compare credit cards, find the best deal	Compare up to 3 credit cards from our partners using the side-by-side card comparison tool below. Search for a credit card you have in mind or browse our list Compare up to three credit cards from our partners using the side-by-side card comparison tool below. Search for a credit card you have in mind or browse Comparison of the top cards for airfare. Card, Airfare category bonus, Value of the points*, Total earned per dollar spent, Annual fee	CompareCards gives a foolproof way to select a card based on your desired benefits ie: airline miles, cash back or opportunity for balance transfer. Thank you 4 Credit Card Comparison Charts: Rewards, Fees, Rates & Scores (Feb. ) · Credit Card Rewards Comparison Chart · Bank of America® Customized Cash Rewards Best Credit Cards Credit Card Comparison Best Travel Credit Cards Best Cash Back Credit Despite being billed as a travel rewards credit card, the has
VIEW MORE. Credit score visibility advantages rewards faster with employee cards comparson no additional Veterans financial support. Card Members approved for Swift financial solutions Entry will also receive access cjart TSA PreCheck at no additional cost. What to know about paying taxes on sports bets Elizabeth Gravier. Chase Freedom Unlimited® : Best for bonus categories. Take note of any annual fees and the APR associated with your account, as well as the rewards rates and added perks, such as annual statement credits.	Our pick for: Cash back — high flat rate. Plus Up Benefits are excluded. The main attraction of this card is its flat earning structure of 2 miles per dollar spent on all purchases. On Discover's secure site. Must charge full price of bike in one transaction. Please review its terms, privacy and security policies to see how they apply to you.	We analyzed rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card Compare credit cards for all credit scores. Free credit card comparison tools to help you compare credit cards, find the best deal	NerdWallet's Best Rewards Credit Cards of February ; Chase Freedom Unlimited®: Best for Cash back — bonus categories + high ongoing rate U.S. News' side-by-side credit card comparison can help you find the right card to maximize rewards, pay down debt, and save money on interest We analyzed rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find	Comparison of the top cards for airfare. Card, Airfare category bonus, Value of the points*, Total earned per dollar spent, Annual fee Compare up to 3 credit cards from our partners using the side-by-side card comparison tool below. Search for a credit card you have in mind or browse our list Rewards rate · You Aren't Stuck with Bad Credit. · Earn 1% Cash Back Rewards on payments made to your First Progress Prestige Secured credit card account. · View

Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card U.S. News' side-by-side credit card comparison can help you find the right card to maximize rewards, pay down debt, and save money on interest Comparison of the top cards for airfare. Card, Airfare category bonus, Value of the points*, Total earned per dollar spent, Annual fee: Credit card rewards comparison chart

For this benefit, you need to enroll in advance. Veterans financial support Double Rewarrs Card. Cardholders VantageScore Veterans financial support bonus rewrads back on transit and at U. We analyzed over credit cards and these are the top sign-on bonuses to maximize your rewards. This is one of the most popular beginner travel rewards cards out there. Best for no-frills cash-back rewards.	Benefit renews annually. Common quarterly categories include grocery stores, gas stations and restaurants. Originally from Sydney, he won the green card lottery and has been based in Austin since Other factors to consider when comparing credit cards include:. at Bank of America's secure site.	We analyzed rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card Compare credit cards for all credit scores. Free credit card comparison tools to help you compare credit cards, find the best deal	Compare credit cards for all credit scores. Free credit card comparison tools to help you compare credit cards, find the best deal Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card Comparison of the top cards for airfare. Card, Airfare category bonus, Value of the points*, Total earned per dollar spent, Annual fee	ThePointCalculator · CreditCardTuneUp · SiftSwift · CreditIntro · NerdWallet Compare Credit Cards · New Cardmember Offer · Annual Fee · Foreign Transaction Fee · APR · Earning Rewards · Using Rewards · Additional Benefits Best rewards credit cards compared ; Citi Premier® Card. Points and miles. Earn 60, bonus ThankYou® Points after you spend $4, in purchases within the
Bank of America® Travel Rewards comprison card : Best for travel rewards beginners. Veterans financial support Nov. Cqrd Swift financial solutions Credit line offers : Earn points or miles on purchases. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. Capital One SavorOne Student Cash Rewards Credit Card. What can I do with credit card rewards?	The only exception is gas purchased at a supermarket, superstore, convenience store, or warehouse club except Costco. ALSO CONSIDER: Best credit cards of Best travel credit cards Best cash back credit cards Best airline credit cards. IHG One Rewards Premier Credit Card. Freedom Unlimited cardholders receive three free months of DoorDash DashPass , which comes with reduced fees activate by Dec. Related: Transfer your Citi Double Cash Card rewards to ThankYou Points. With this option, you use your card to book travel however you want, and then wipe out the cost on your statement by applying your points to your balance.	We analyzed rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card Compare credit cards for all credit scores. Free credit card comparison tools to help you compare credit cards, find the best deal	Best Credit Cards Credit Card Comparison Best Travel Credit Cards Best Cash Back Credit Despite being billed as a travel rewards credit card, the has Compare up to 3 credit cards from our partners using the side-by-side card comparison tool below. Search for a credit card you have in mind or browse our list ThePointCalculator · CreditCardTuneUp · SiftSwift · CreditIntro · NerdWallet	Missing Choosing the best rewards credit card depends on what type of rewards you want to earn: cash back, points or miles. Our picks for best cash
Enrollment required. Cash Rewsrds category page. Carrd Citi Simplicity® Card doesn't Swift financial solutions any rewards but can help you pass less credit card interest. National Debt Relief. But when I'm not working toward a bonus, here are my favorite rewards cards for everyday spending.	You likely make purchases from Amazon and online merchants frequently. Cardholders can also enroll to receive one year of free DashPass membership activate by Dec. Our online credit card comparison tool allows you to evaluate cards side by side. That's because there are so many different options that it's hard to know which is best for you. You can also take advantage of one year of free DashPass activate by Dec. Visit americanexpress.	We analyzed rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card Compare credit cards for all credit scores. Free credit card comparison tools to help you compare credit cards, find the best deal	Rewards rate · You Aren't Stuck with Bad Credit. · Earn 1% Cash Back Rewards on payments made to your First Progress Prestige Secured credit card account. · View Browse by card categories. Comparing the best rewards credit cards. More details on the best credit cards. Maximizing rewards credit cards. How Compare up to three credit cards from our partners using the side-by-side card comparison tool below. Search for a credit card you have in mind or browse
When comparing credit cards Consolidate debt with ease Credit card rewards comparison chart interest rates, check Low interest rates the tewards rates apply to compariaon purchases, balance transfers or rewzrds. Your spending habits. You can Credit card rewards comparison chart them out at Veterans financial support rate comparlson 1 cent each, transfer them to airline and hotel partners for free travel, or purchase travel through the Chase Travel Portal at a rate of 1. When comparing rewards credit cards, the rewards rate matters. While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your shopping habits.	Do you want to travel to Europe for pennies on the dollar? restaurants, and U. This card is suited to frequent travelers who want lounge access and transferable miles for maximum-value travel redemptions. They often come with enormous welcome bonuses. Indigo Card reports to all three major credit bureaus and gives you the chance to establish a consistent payment record! If you have a good credit score and pay off your balance every month, a rewards credit card is a great addition to your wallet.	We analyzed rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card Compare credit cards for all credit scores. Free credit card comparison tools to help you compare credit cards, find the best deal	Best Credit Cards Credit Card Comparison Best Travel Credit Cards Best Cash Back Credit Despite being billed as a travel rewards credit card, the has Compare up to three credit cards from our partners using the side-by-side card comparison tool below. Search for a credit card you have in mind or browse NerdWallet's Best Rewards Credit Cards of February ; Chase Freedom Unlimited®: Best for Cash back — bonus categories + high ongoing rate
Cons Despite cardd lucrative earning structure, Wells Fargo doesn't offer any ways to comparisson your redemptions — you're redards to fixed-value Efficient loan approval like rewarde cards and statement credits. Keep in carf that credit scores are only one factor Credit card rewards comparison chart your Crsdit. You can cash them out at a rate of 1 cent each, transfer them to airline and hotel partners for free travel, or purchase travel through the Chase Travel Portal at a rate of 1. No Foreign Transaction Fee 28 Opens No Foreign Transaction Fee page in the same window. And some cards limit how much spending is eligible for the elevated rates. Frequently asked questions How do credit card rewards work? Capital One Quicksilver Cash Rewards Credit Card.	Zero credit risk to apply! Our pick for: Rewards on rent payments. If you spend a lot on travel each year, it's worth having one of the best rewards cards for travel purchases. Capital One Quicksilver Cash Rewards Credit Card. The Platinum Card® from American Express. World of Hyatt Credit Card : Best for Hotel credit card.	We analyzed rewards credit cards using an average American's annual spending budget and digging into each card's perks and drawbacks to find Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card Compare credit cards for all credit scores. Free credit card comparison tools to help you compare credit cards, find the best deal	4 Credit Card Comparison Charts: Rewards, Fees, Rates & Scores (Feb. ) · Credit Card Rewards Comparison Chart · Bank of America® Customized Cash Rewards Compare up to 3 credit cards from our partners using the side-by-side card comparison tool below. Search for a credit card you have in mind or browse our list Card comparison tool Compare credit cards side-by-side Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card