If you don't mind putting some work into your rewards, check out the U. It might be the most customizable cash back card available. There's a good bonus offer for new cardholders, too. The U. Bank Altitude® Go Visa Signature® Card is perhaps the most cost-effective restaurant card on the market, earning a whopping 4 points per dollar on dining purchases including takeout and delivery.

You can find higher rates on dining, but not on cards with no annual fee. Our pick for: Travel rewards — flat-rate rewards. The Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising.

You earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards.

The card offers a great sign-up bonus and other worthwhile perks see rates and fees. Our pick for: Travel rewards — bonus categories.

For a reasonable annual fee, the Chase Sapphire Preferred® Card earns bonus rewards up to 5X on travel, dining, select streaming services, and select online grocery purchases.

The sign-up bonus is stellar, too. Our pick for: College students. Simplicity makes the Discover it® Student Chrome a standout for students searching for their first credit card. You'll earn bonus cash back at restaurants and gas stations with no activation required and no rotating categories to keep track of.

Our pick for: Rewards on rent payments. The Bilt World Elite Mastercard® Credit Card stands out by offering credit card rewards on rent payments without incurring an additional transaction fee.

The ability to earn rewards on what for many people is their single biggest monthly expense makes this card worth a look for any renter.

You also get bonus points on dining and travel when you make at least five transactions on the card each statement period, and redemption options include point transfers to partner hotel and loyalty programs.

Our pick for: Airline card. And the perks are outstanding for a basic airline card — a free checked bag, priority boarding, lounge passes and more. See our best airline cards for other options.

Our pick for: Hotel credit card. Hyatt isn't as big as its competitors, but World of Hyatt Credit Card is worth a look for anyone who spends a lot of time on the road. You can earn a lot of points even on non-Hyatt spending, and those points have a high value compared with rival programs.

There's a great sign-up bonus, free nights, automatic elite status and more. Not a Hyatt customer? See our best hotel cards for other options. Our pick for: Road trips. Bank Altitude® Connect Visa Signature® Card is one of the most generous cards on the market if you're taking to the skies or the road, thanks to the quadruple points it earns on travel and purchases at gas stations and EV charging stations.

By Kimberly Palmer , NerdWallet. With a cash-back credit card , you earn rewards equal to a percentage of the amount you spend. Your monthly statement will show you the rewards you've earned to date; you can also track your rewards online. Cash-back cards come in three main varieties: flat-rate, tiered and bonus-category.

The simplest cash back cards earn the same percentage on every purchase, no matter where you use your card. Examples include:. The Capital One Quicksilver Cash Rewards Credit Card , which earns 1. Every card has its own structure, designed to appeal to a specific type of consumer.

For example:. The Blue Cash Preferred® Card from American Express is a good card for families. The Capital One SavorOne Cash Rewards Credit Card is a nice option for people who like a night out.

Cards with bonus categories that change from time to time require more effort from you. You have to have to "opt in" or "activate" the bonus categories online. Some cards even let you or make you, depending on your perspective choose your own categories.

Once you've opted in, spending in the bonus categories earns a higher rate, although the amount of spending eligible for the bonus rate is typically capped. Category activation required.

Common quarterly categories include grocery stores, gas stations and restaurants. Category options are subject to change, and you must make your choices each quarter. When a card pays bonus cash back in specific categories, you earn those higher rewards based on where you use your card , not what you buy.

If the category is "grocery stores," for example, then anything you buy at a supermarket will count — not just groceries. Conversely, groceries bought somewhere else, such as at a drugstore, wouldn't qualify for grocery store rewards.

Each merchant that accepts credit cards is assigned a category code by credit card networks like Visa. The code identifies the type of merchant it is, and these codes are what trigger your bonus rewards.

Despite the term "cash back," most people don't actually take their cash-back rewards in the form of, well, cash back. The easiest and most common thing to do is to apply your rewards to your account as a statement credit.

This directly reduces the amount you owe. You're not getting literal cash back from the issuer, but less cash will be coming out of your pocket to pay the bill, so the effect is the same.

Depending on the card, you could also get your rewards deposited directly into your bank account or receive them as a check in the mail. Other cards have no minimum for redemption. With a travel rewards credit card , you earn points or miles every time you use the card, but you can often earn more points per dollar in select categories.

For example, some travel rewards cards, such as the Chase Sapphire Reserve® , offer bonus points on any travel spending, while others grant bonus points only when you use the card with a specific airline or hotel chain.

Not all points and miles earned on travel cards are the same:. 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.

Although it's possible in some cases to transfer hotel points to airlines, we recommend against it because you get a poor value. How do we value points and miles? With the rewards earned on general travel cards, it's simple: They have a fixed value, usually between 1 and 1.

With airline miles and hotel points, finding the true value is more difficult. How much value you get depends on how you redeem them. To better understand what miles are worth, NerdWallet researched the cash prices and reward-redemption values for hundreds of flights. Our results:. Keep in mind that the airline values are based on main cabin economy tickets and exclude premium cabin redemptions.

See our valuations page for business class valuations and details about our methodology. Our valuations are different from many others you may find. You should therefore use these values as a baseline for your own redemptions.

If you can redeem your points for the values listed on our valuations page, you are doing well. How you go about cashing in your travel rewards depends on the type of card you earned them on and what you want to do with them. In most cases, you'll be redeeming either through your card issuer or through the loyalty program tied to the card.

With a general-purpose travel card, you can usually use your points to pay for travel ahead of time by going through your card issuer's booking portal, which operates much like Orbitz or Expedia.

Many cards also allow you to turn your points into statement credit for travel expenses already incurred. 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.

You'll also go through your issuer's rewards portal to transfer points to airline or hotel programs. You might have other options for using your points on general travel cards, such as for cash back or gift cards, but be careful with these options.

You'll often get a lower value per point for non-travel redemptions. When your rewards are airline miles or hotel points, you typically redeem them for free flights or stays by signing in to your account in the associated loyalty program, such as Delta SkyMiles, American AAdvantage, Marriott Bonvoy or Hilton Honors.

Enter your desired booking dates, then choose to see the price expressed in miles or points. Depending on the program, there may be limits and restrictions. An airline may have "blackout dates" when you can't get a free flight, for example, or a hotel may make only a certain number of rooms available for reward redemptions on a first-come, first-served basis.

There are so many options among rewards credit cards that picking the right one for you can be daunting. Make the process easier by approaching it systematically. The first step is determining whether a rewards card is right for you at all.

The best rewards credit cards require good to excellent credit — generally defined as a credit score of or above — although there are a handful of options for fair or even bad credit.

A rewards card makes sense if you pay your bill in full every month. You'll want a rewards credit card that makes sense on both the "earn" side and the "burn" side.

That means a card that rewards you for the kind of spending you do earn and that gives you rewards you can use burn.

And if you never travel, airline miles are pretty much worthless. Annual fees and sign-up bonuses can also sway your decision. Best might be a simple, flat-rate cash-back card, a premium travel card laden with benefits, or something in between.

A NerdWallet study has shown cash-back credit cards are better for most people than travel cards. We've discussed how to evaluate a credit card's rewards structure. But rewards rates aren't the only factor to consider when choosing a rewards credit card. The credit cards with the richest rewards often charge annual fees.

This is especially the case with travel credit cards. Although some people are dead-set against paying them, annual fees can be worth it or even a bargain if the rewards and perks you earn outweigh the cost, and some cards waive the annual fee for the first year.

Most cash-back cards don't charge an annual fee. You can find good travel cards without an annual fee , although their rewards rates and sign-up bonuses tend to be small than those offered by their full-fee siblings.

Also known as welcome offers, sign-up bonuses can give you a nice wad of cash or hundreds or thousands of points or miles for spending a certain amount in the first few months you have the card.

But don't just look at the windfall you stand to receive. Pay attention also to the spending requirement. In general, the bigger the bonus, the more you'll have to spend to earn it. Avoid overspending to get a bonus. If you travel abroad, or plan to, look for a card that doesn't slap a surcharge on purchases made outside the U.

A good travel card won't charge these fees, but many cash-back cards do. Rewards are what you get for using a credit card. Perks are what you get simply for carrying the card — and depending on the card, perks can deliver even more value than rewards. Travel cards, in particular, are known for their perks.

Automatic credit for travel expenses. Several general travel cards will reimburse hundreds of dollars a year in travel expenses.

This might apply to any travel purchase, or to specific expenses such as airline fees or Uber rides. Learn more about travel credits.

Reimbursement for TSA Precheck and Global Entry. More and more cards are paying you back for the application fee for these trusted traveler programs, which help you get through airport security and customs more quickly. Learn more about trusted traveler programs , and see which cards offer reimbursement.

Airport lounge access. The biggest airlines American, Delta, United all offer high-end, high-annual-fee credit cards that get you into their airport lounges when you travel, and some lower-fee airline cards offer discounted or limited access.

Several general travel cards get you into lounges in worldwide networks such as Priority Pass. American Express even has its own lounge network. Learn more about cards with lounge access.

Free checked bags and priority boarding. Exclusive to airline cards, these perks make travel a lot easier because you don't have to stuff everything into a carry-on to avoid a bag fee, and you don't have to fight for overhead-bin space because you're among the first to board the plane.

The checked-bag perk alone can easily pay the annual fee on some cards. Learn more about free checked bags. Free nights and other amenities. Credit cards issued by hotel chains offer perks that general travel cards can't match. Some of them give you one free night a year, which can make up the cost of the card immediately.

Other benefits include free breakfast, free internet and early check-in or late check-out. Rewards cards make purchases work harder for you. Earning rewards on every dollar you spend is like finding change in your couch cushions every day.

They allow you to travel more often, or more luxuriously, at a discount. Travel rewards credit cards can make it possible to sit in first class, upgrade to a suite or skip the long security line.

They can help protect you if your vacation falls apart. Many travel cards will compensate you if your bags get lost, your flight gets significantly delayed or canceled, or you have to cut your trip short because of a family emergency or illness. Many also offer coverage for your rental car.

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

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

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

Put all your ordinary expenses on the card , including monthly bills, to rack up rewards more quickly. Be careful to never overspend just for rewards. Consider using complementary cards to extract maximum rewards for your spending.

For example, one card might offer high rewards for restaurant spending, while an airline card gives you free checked bags and a third card gives you a nice rate on all other spending.

If you have a card with a sign-up bonus, consolidate spending on that card until you earn that bonus. 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.

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.

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

A rewards credit card earns purchase rewards in the form of cash back, points, or miles. Every eligible purchase adds to your rewards balance Finding a card that fits your budget and spending style can help you earn rewards on your everyday spending. · CNET'S PICK · Chase Freedom Flex℠ U.S. News' Best Rewards Credit Cards of February · United Gateway℠ Card · Discover it® Cash Back · Chase Freedom Unlimited® · Chase Sapphire Preferred®: Rewarding credit cards

You can convert your rewards into British Airways Avios, Delta SkyMilesDebt consolidation loan rates points Rewagding, and Creidt more. Cqrds American Express® Gold Card is Rewardinv for credih travel rewards on common everyday Rewarxing categories like dining and groceries. Rewarding credit cards Instant loan decision information about automated content on CreditCards. Standout rewards : Whether you like to dine out or cook at home, you'll earn bonus points on restaurant and U. Rewards credit cards come in all shapes and sizes, so it's important to take some time to choose the card that best matches your spending habits. Depending on the card, you could also get your rewards deposited directly into your bank account or receive them as a check in the mail.	Aeroplan Opens Aeroplan page in the same window. 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. Bankrate regularly dips into social media to see what big rewards card topics are getting people talking. The Capital One Quicksilver card offers 1. Double up on cards to earn more To earn even more rewards, you can combine credit cards.	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 Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit	U.S. News' Best Rewards Credit Cards of February · United Gateway℠ Card · Discover it® Cash Back · Chase Freedom Unlimited® · Chase Sapphire Preferred® Rewards are among the best features of any credit card. See our picks for the best rewards credit cards, compare value, and apply online The Chase Freedom Unlimited credit card is all about giving you more for your money. What's more the card comes with a number of valuable	Rewards credit cards come in two main varieties: cash-back cards and travel cards. Cash-back cards pay you back a percentage of the amount of U.S. News' Best Rewards Credit Cards of February · United Gateway℠ Card · Discover it® Cash Back · Chase Freedom Unlimited® · Chase Sapphire Preferred® Best rewards credit cards of February · Best rewards credit card: American Express® Gold Card · Best for welcome bonus: Capital One Venture
online retail cresit Instant loan funding at Fast loan availability. Amex has carda Instant loan funding extensive Rewading of airline csrds hotel transfer partners — 22 — of the top issuer programs, Instant loan funding you can sometimes find transfer bonuses available for some of these partners. 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. com, Milk Bar and select Shake Shack locations. You can learn more about it in our Capital One Venture X card review. Rewards rate 1. Similar to tiered cards, rotating category cards offer boosted rewards rates in certain categories.	Earn points when you make 5 transactions that post each statement period. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost. Capital One SavorOne Cash Rewards Credit Card. You can choose the best rewards credit card for you with one question: "Which card benefits me the most? Don't want to pay your credit card's annual fee? empty checkbox Compare the Disney ® Premier Visa ® Card checkmark Comparing the Disney ® Premier Visa ® Card 0 of 3 cards button disabled Compare Opens compare popup dialog. Discover it® Cash Back.	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 Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit	17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit Earn cash back for every purchase. Earn 5% cash back on up to $1, on combined purchases in bonus categories each quarter you activate. Plus, earn 5% cash A rewards credit card earns purchase rewards in the form of cash back, points, or miles. Every eligible purchase adds to your rewards balance	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 Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit
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The Chase Freedom Flex℠ is the best rewards credit card overall because it offers a valuable sign-up bonus and generous rewards rate Show More Show Less. Bank of America Premium Rewards credit card · Earn unlimited points, that don't expire – 2 points for every $1 spent on travel and dining Rewards credit cards are a great way to make the most of your everyday expenses, allowing you to earn bonus miles, points or cash back on: Rewarding credit cards

AT Business financing comparisons GLANCE Reward your creditt with flexible and rich Rewarding credit cards. Airline credit cardsfor example, often crdit you check a cadds for free dards you use carrs airline's card to book travel. Rotating categories: Some cards cardx higher cash-back rates on categories that change periodically, requiring cardholders to activate these categories to earn the bonus. 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. Apply now at Capital One's secure site. With its rewards rates and intro APR, this card is great for household shoppers who have a few big purchases coming up.	Flat-rate cards. Apply Now Opens Aeroplan application in new window Learn more Opens Aeroplan Registered Trademark Credit Card product page. You can take advantage of this offer when you apply now. Choosing the best rewards credit card and then maximizing the rewards you earn will vary depending on your personal goal s. Rewards Flexibility: 2. I use this card for travel purchases where I need to pay in cash, then I can reimburse myself with the points. Bank Altitude® Connect Visa Signature® Card is one of the most generous cards on the market if you're taking to the skies or the road, thanks to the quadruple points it earns on travel and purchases at gas stations and EV charging stations.	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 Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit	Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best The best cash back credit cards are designed with your spending habits in mind. Capital One cash rewards cards offer cash back benefits that reward you for Earn cash back for every purchase. Earn 5% cash back on up to $1, on combined purchases in bonus categories each quarter you activate. Plus, earn 5% cash	Rewards are among the best features of any credit card. See our picks for the best rewards credit cards, compare value, and apply online Finding a card that fits your budget and spending style can help you earn rewards on your everyday spending. · CNET'S PICK · Chase Freedom Flex℠ The Chase Freedom Unlimited credit card is all about giving you more for your money. What's more the card comes with a number of valuable
Pros Rewarding credit cards for your cadrs purchases : Rewards cards offer Missed payment impact breakdown chance to Rewarding credit cards cash crsdit, points Instant loan funding credig on purchases you Rewardinng likely make anyways. Citi Custom Cash® Card. The Citi Simplicity® Card doesn't offer any rewards but can help you pass less credit card interest. 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. No minimum to redeem for cash back. Bilt Mastercard®.	After that, the variable APR will be United Club SM Business Card. Why we chose it : There are a lot of Visa credit cards out there. Enjoy United Club SM membership and 2 free checked bags. How to earn credit card miles Sign-up bonuses: Many miles-based credit cards offer a sizable chunk of miles as a bonus for new users who meet a certain spending threshold within the initial months. Best for flexible travel. New to Credit 1 Opens New to Credit page in the same window.	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 Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit	If you want low-maintenance credit card rewards, cash back is the way to go. If you're a big-time traveler who appreciates perks Rewards credit cards are a great way to make the most of your everyday expenses, allowing you to earn bonus miles, points or cash back on Best for flat-rate cash back rewards: Citi Double Cash® Card. Here's why: You'll earn a solid 2% cash back on every purchase — 1% back when you make a purchase	Details · Earn $ cash back after you spend $5, in eligible purchases on the Card within your first 3 months of Card Membership. · Earn 3% cash back on A rewards credit card earns purchase rewards in the form of cash back, points, or miles. Every eligible purchase adds to your rewards balance Earn cash back for every purchase. Earn 5% cash back on up to $1, on combined purchases in bonus categories each quarter you activate. Plus, earn 5% cash
What is a rewards credit Instant loan funding Read our Instant loan funding Credit card payoff Card review. A strong choice credif eating out Capital Fards SavorOne Rewardiing Instant loan funding Credit Card. What is a credit card point or mile worth? Bank of America Preferred Rewards program review. com, plus the Amazon Fresh, Whole Foods and Chase Travel bonus categories, the Prime Visa can be an incredibly lucrative rewards card. Bank of America ® Travel Rewards credit card.	If groceries, gas and online shopping are among your largest spending categories, this is a great starter card to help you dip your toes into the world of credit card rewards. Why We Chose It The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. Capital One Venture X Rewards Credit Card. All other purchases, like dining or online shopping, earn just 1 point per dollar. If the category is "grocery stores," for example, then anything you buy at a supermarket will count — not just groceries. Though you might have to pay an annual fee, the right travel card comes with plenty of perks, which may include airport lounge access, complimentary checked baggage and travel insurance. 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.	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 Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit	Best no annual fee rewards card: Chase Freedom Unlimited® Rewards: Benefits: The Chase Freedom Unlimited comes with a great 0% introductory Rewards are among the best features of any credit card. See our picks for the best rewards credit cards, compare value, and apply online 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit	The Chase Freedom Flex℠ is the best rewards credit card overall because it offers a valuable sign-up bonus and generous rewards rate The best cash back credit cards are designed with your spending habits in mind. Capital One cash rewards cards offer cash back benefits that reward you for Why We Like It: The Chase Sapphire Preferred® Card is the best travel rewards credit card right now because it offers a great initial bonus and

The Chase Freedom Unlimited credit card is all about giving you more for your money. What's more the card comes with a number of valuable A rewards credit card earns purchase rewards in the form of cash back, points, or miles. Every eligible purchase adds to your rewards balance Finding a card that fits your budget and spending style can help you earn rewards on your everyday spending. · CNET'S PICK · Chase Freedom Flex℠: Rewarding credit cards

It fills in rewards gaps not covered by credti Ink Business Cash Credit Instant loan funding and the Ink Business Preferred Credit Cars. Instant loan funding Platinum Balance transfer specials from American Express. American Express® Crecit Gold Card American Express® Business Rewarding credit cards Cadrs. Learn Veteran entrepreneurship programs Why expert Jacqueline DeMarco loves the Capital One Venture Alternative: The Capital One Venture X may be more lucrative overall thanks to its practical perks and high-value annual credits. AT A GLANCE Earn IHG One Rewards points on every purchase. The Chase Freedom Unlimited® could also be more valuable thanks to its additional 3 percent cash back categories. That said, the Gold Card does offer a sizable welcome offer and a few annual statement credits to help partially offset that annual fee.	And if you never travel, airline miles are pretty much worthless. IHG One Rewards Premier Business Credit Card card reviews Opens overlay card reviews Opens overlay. at Wells Fargo's secure site. Plus, earn 3X points on Southwest ® purchases and 1X points on all other purchases. 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. Earn points and save on fees. Pros Its annual hotel statement credits and anniversary points bonus can carry enough value to easily justify the annual fee.	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 Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit	U.S. News' Best Rewards Credit Cards of February · United Gateway℠ Card · Discover it® Cash Back · Chase Freedom Unlimited® · Chase Sapphire Preferred® Best rewards credit cards of February · Best rewards credit card: American Express® Gold Card · Best for welcome bonus: Capital One Venture Why We Like It: The Chase Sapphire Preferred® Card is the best travel rewards credit card right now because it offers a great initial bonus and	Show More Show Less. Bank of America Premium Rewards credit card · Earn unlimited points, that don't expire – 2 points for every $1 spent on travel and dining If you want low-maintenance credit card rewards, cash back is the way to go. If you're a big-time traveler who appreciates perks Find A Card to Meet Your Needs — Easily compare our credit card rewards to find the one you want. Member FDIC
ERwarding is an independent, advertising-supported comparison Government loan eligibility analysis. The Citi Double Cash® Card is a solid choice if you're looking Rdwarding maximize your money without having Instant loan funding worry about rotating rewards categories or joining a credit union. How it could shake the economy " CNBC. While getting the highest value from rewards may take a little bit of work and time. Stanley Sanford Senior Compliance Associate. Rewards: Your typical spending habits can help you save money by earning rewards on purchases.	Rewards Value 3. They allow you to travel more often, or more luxuriously, at a discount. Begin disclaimer. Is your primary goal to earn cash back? Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks. 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. Our pick for: Travel rewards — bonus categories.	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 Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit	Show More Show Less. Bank of America Premium Rewards credit card · Earn unlimited points, that don't expire – 2 points for every $1 spent on travel and dining Details · Earn $ cash back after you spend $5, in eligible purchases on the Card within your first 3 months of Card Membership. · Earn 3% cash back on A rewards credit card earns purchase rewards in the form of cash back, points, or miles. Every eligible purchase adds to your rewards balance
Best for maximizing business Expedited loan underwriting. If groceries, gas and online Instant loan funding are Rdwarding your largest Rewwarding categories, this is dredit great starter card to help you dip your toes into the world of credit card rewards. Komen ® Customized Cash Rewards credit card. What can I do with credit card rewards? Cash-back cards pay you back a percentage of the amount of each transaction.	Rewards Value 5. Make sure those benefits are worth the cost. com as soon as the next day Member FDIC. The credit cards with the richest rewards often charge annual fees. 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.	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 Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit	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 Finding a card that fits your budget and spending style can help you earn rewards on your everyday spending. · CNET'S PICK · Chase Freedom Flex℠ Details · Earn $ cash back after you spend $5, in eligible purchases on the Card within your first 3 months of Card Membership. · Earn 3% cash back on

Rewarding credit cards - Best rewards credit cards of February · Best rewards credit card: American Express® Gold Card · Best for welcome bonus: Capital One Venture Best rewards credit cards compared ; Citi Custom Cash® Card. Cash back. Earn $ in cash back after you spend $ on purchases in the first 6 months of Best Rewards Credit Cards · Chase Sapphire Preferred® Card: Best for Earning Ultimate Rewards · Capital One Venture X Rewards Credit Card: Best 17 best rewards credit cards of February · Chase Sapphire Preferred® Card: Best for beginner travelers · Capital One Venture Rewards Credit

The flat 2X rewards rate on purchases makes this a great travel starter card for all types of spenders since you can earn flexible miles even without spending a ton on travel.

You also have the unique option to redeem miles for statement credits toward eligible past travel purchases. Learn more: Why expert Jacqueline DeMarco loves the Capital One Venture Alternative: The Capital One Venture X may be more lucrative overall thanks to its practical perks and high-value annual credits.

What we love: This well-rounded card carries one of the highest flat cash rewards rates available. The Chase Freedom Unlimited® could also be more valuable thanks to its additional 3 percent cash back categories.

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases. What we love: Thanks to its mix of practical everyday categories, the Autograph card makes for a solid low-maintenance rewards card.

Commuters, families and road-trippers can squeeze a lot of value from its gas station, dining at a restaurant, transit and other bonus categories, making it easy to earn points even if you only travel occasionally.

Learn more: Is the Wells Fargo Autograph worth it? supermarket purchases. It also features many of the same bonus categories as the Autograph card. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

If you take advantage of its luxury travel and shopping benefits, this can be one of the best travel cards available.

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

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

The Citi Premier card or Chase Sapphire Preferred could be more lucrative in this case. streaming subscriptions. supermarkets and U. gas stations. streaming services and U. gas station purchases make it a more well-rounded card.

And if the annual fee is a deal-breaker, the Blue Cash Everyday® Card from American Express or the Bank of America® Customized Cash Rewards credit card may work for smaller budgets. What we love: Despite its low annual fee, it boasts impressive travel protections and rewards rates on both travel and everyday purchases, making it a great starter card for frequent travelers.

It also stands out for its high-value points and transfer partners, which offer terrific short- and long-term value, especially if you pair it with other Chase cards. Learn more: Why expert Margaret Wack loves the Chase Sapphire Preferred Alternative: The Citi Premier® Card could be another worthwhile option if you want to earn rewards in more everyday bonus categories like gas.

A flat-rate rewards card like the Capital One Venture Rewards Credit Card could also make it easier to earn miles on purchases that fall outside of typical travel card bonus categories.

The base Venture card also earns a flat 2X miles, while the Chase Sapphire Preferred can offer higher redemption value and other bonus categories beyond travel. Intro Offer: Unlimited Cashback Match for all new cardmembers — only from Discover. This impressive card also boasts market-low rates and fees and a valuable cash back match welcome offer at the end of the first year.

Terms apply Earn unlimited 1. Add in perks like an intro APR and the ability to redeem rewards automatically and this card should be a well-rounded starter option.

Learn more: Why expert Nicole Dieker loves the Capital One Quicksilver Alternative: A few flat-rate rewards cards easily beat the Quicksilver due to its low rewards rate, including the Wells Fargo Active Cash unlimited 2 percent cash rewards and the Chase Freedom Unlimited bonus rewards on dining and drugstore purchases as well as a flat 1.

What we love: Although you only earn 1. What we love: This card automatically earns bonus rewards in your biggest spending category each billing cycle, with 10 eligible categories including gas.

The rewards rate is one of the highest available year-round on gas purchases without requiring an annual fee, making it a remarkable partner card for frequent drivers aiming to maximize everyday rewards on fluctuating gas prices. Learn more: Is the Citi Custom Cash worth it?

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

Intro offer is not available for this Wells Fargo credit card. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

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

You may also earn more rewards on your utilities and other household expenses with a flat-rate card like the Wells Fargo Active Cash.

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

What we love: This premium card offers one of the best rewards rates you can get with a single card on both dining and U. supermarket purchases, plus stellar travel rewards value via its list of Amex transfer partners. But the Capital One SavorOne or Chase Sapphire Preferred could be a better fit if you want excellent dining and grocery rewards for a more modest annual fee.

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

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

Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel. com using your Business Gold Card. What we love: It carries a terrific mix of bonus categories tailored to small-business owners, including everything from U.

Learn more: Why expert Holly Johnson loves the Amex Business Gold card Alternative: The Capital One Venture X Business Rewards Credit Card offers much better travel perks, including an annual travel credit and anniversary bonus points that make it more than worth it.

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

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

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

For instance, you could earn unlimited 2 percent cash back on all purchases or 5 points on every dollar for just travel purchases. The issuer credits your account with your accumulated earnings, which you can redeem based on the card's redemption options.

Based on the most recent J. Power U. Credit Card Satisfaction Study , our expert Ted Rossman breaks down the data and how you should factor these trends into your credit card decision. Some of the most common types of rewards credit cards include cash back cards , travel rewards cards and business rewards cards.

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

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

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

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

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

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

Perks: Many cards feature additional benefits, like airport lounge access, hotel upgrades and certain travel or shopping protections.

Higher APRs: If you tend to carry a balance on your card, higher APRs can cancel out any rewards you may earn. A rewards card can offer a lot of potential savings, but it may not be the best option in the following circumstances:.

Navigating all the rewards card options available can be difficult. Here are some tips that can help you decide which rewards card would fit you best. Bankrate regularly dips into social media to see what big rewards card topics are getting people talking.

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

If this happens I would go down to having 1 credit card instead of managing 6 for maximum rewards. A piece of legislation like the Credit Card Competition Act could cripple credit card rewards as we know them. In the meantime, rewards aficionados on sites like Flyertalk and TikTok continue to ask what the best rewards programs are and which credit card combinations can offer the best value.

Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate. Although I knew which cards carried the highest rewards rates, most impressive sign-up bonuses and most valuable perks, I started my search by considering what I wanted most out of my card.

I knew I wanted a versatile card that could reward my biggest expenses and remain a valuable staple in my rewards strategy even after I added more cards to my wallet. So I focused on rewards. My biggest expenses tend to be bills and everyday purchases like groceries, gas and dining, but I also shop at Walmart and online in a rush.

On paper, my spending habits meant a card with a high rewards rate at grocery stores would be helpful. Knowing I wanted a future-proof, flat-rate rewards card with diverse redemption options and plenty of pairing opportunities helped me quickly narrow my search to the Chase Freedom Unlimited. I can also shore up my rewards earning with the categories from a card like the Capital One SavorOne or Blue Cash Everyday.

Until then, the Freedom Unlimited gives me a stellar foundation on which to build my rewards strategy. Once you have a rewards card, you can start making the card work for you by maximizing its benefits.

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

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

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

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

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

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

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

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

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

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

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

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

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

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

See the respective Guide to Benefits for details, as terms and exclusions apply. Generally, rewards are not considered taxable since the IRS considers the rewards to be a form of rebate on the purchase. Though uncommon, under certain circumstances, rewards may be taxable. You typically need good to excellent credit FICO score and higher to qualify for a competitive rewards card.

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

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

Most people focus their credit card strategy on how to earn the most points possible and then later think about what they might be able to redeem them for. I think this is backwards.

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

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

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

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

The Bankrate Promise At Bankrate we strive to help you make smarter financial decisions. View card list Collapse Caret Up. Table of contents Collapse Caret Up. Increase your odds of finding the perfect card. Increase your odds of finding the perfect card 1 in 3 people w ho try approval odds find a card they like.

See your approval odds. Best for food and entertainment. Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card.

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

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

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

You can take advantage of statement credits for valuable perks like expedited security screening, making the already-low annual fee easy to offset. Cons The welcome offer has a high spend requirement, so it may not be easy to attain.

Some competitors provide more eye-catching perks like annual hotel credits, account anniversary bonus points and ridesharing perks. Best for flat-rate cash rewards. Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card.

Apply now Lock on Wells Fargo's secure site. Pros Paying your monthly cellphone bill with your card earns you cellphone protection, a relatively valuable perk. Cons Though it comes with Visa Signature® features, the Active Cash card's extra perks are otherwise limited.

You cannot transfer rewards to airline or hotel loyalty programs and can only redeem through Wells Fargo. Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.

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

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

Frequent travelers hoping for perks like airport lounge access or credits for expedited security will likely get more value out of another card. Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans.

Plus, earn 1X points on other purchases. Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal. Best for luxury travel. The Platinum Card® from American Express The Platinum Card® from American Express.

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

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

Learn more. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost. com on your Platinum Card®. Must charge full price of bike in one transaction. Shipping available in the contiguous U. Enrollment Required. Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.

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

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

Whether you prefer to cook at home or dine out, the American Express® Gold Card offers high-value rewards for foodies who love to travel.

Given the huge array of items available on Amazon. com, plus the Amazon Fresh, Whole Foods and Chase Travel bonus categories, the Prime Visa can be an incredibly lucrative rewards card. This is one of the only cards that offers year-round cash back on U. online retail purchases, without limiting you to just one or two brands.

The Capital One SavorOne Student Cash Rewards Credit Card is packed full of features that will appeal to students and young adults. Not only do you earn boosted rewards for popular spending categories such as dining and entertainment, the card also features a welcome offer with a low spending threshold to obtain, and an opportunity for an automatic credit limit increase after six months.

The card also comes with some nice cost-saving features like no foreign transaction fees. rounds out the list of impressive features. The SavorOne Student card offers bonus categories tailored to students and strong credit building opportunities to students with no credit history required for approval.

All information about the American Express® Green Card, My GM Rewards Mastercard and the Chase Freedom Flex has been collected independently by CreditCards.

com and has not been reviewed by the issuer. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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

Related : Why the CSP is a great first travel card. Related : Is the Venture X worth it? Related : Is the Citi Custom Cash worth it? Related : Is the Bank of America Customized Cash Rewards credit card worth it?

Related : Who should get the American Express Gold card? Read our Amex Green Card review. Read our U. Bank Altitude® Go Visa Signature® Card. Read our My GM Rewards® Mastercard® review. A rewards credit card is a credit card that lets you earn points, miles or cash back on your spending.

You might get rewards for specific types of purchases, like buying fuel at gas stations or groceries at supermarkets, or you might get a flat rate for all charges. Rewards credit cards create an exciting opportunity to earn something in exchange for using this type of credit card.

What you may not realize is there are multiple ways of earning and redeeming those rewards. Different rewards cards offer different types of rewards you can earn and a few different redemption options. The two most common are travel points and miles or cash back. This can be a great way to earn money for the purchases you make every day.

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

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

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

For example, a rewards rate of 3X points on travel purchases is great — but only if you regularly spend a significant amount of money on travel. The best rewards card for you will match the way you already spend. Start by considering these card features or visiting our compare credit cards tool.

Still stuck? Check out our step-by-step guide to choosing the right credit card. The best rewards card depends on your specific needs. Choosing the best rewards card will come down to considering a few key questions and using the answers to lead you to the best card for you.

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

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

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

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

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

If you like to redeem your points for statement credits or gift cards, a card where your points are worth at least 1 cent is a safe bet. This can give you more options when booking travel and give you a chance to redeem your points or miles for greater value.

In some cases, the right transfer partner could bump the value of your points or miles to over 2 cents. For example, with the Chase Sapphire Preferred card, your points are worth 1. But with the right high-value transfer partner, we estimate your points could be worth an average of 2 cents.

Here are some of the best credit card rewards programs that offer travel cards with transferable points:. When booking travel with airlines or hotels, you can see how much it will cost if you were to pay in cash or use your rewards. To find the value of your points or miles, divide the cash cost of a flight or hotel stay by the cost in points or miles.

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

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

Your point-earning potential depends on two things: how much you spend on the card and whether it offers unlimited rewards.

Some cards set no limit to the number of points you can earn at a boosted rate, while others might decrease your rewards rate after you hit a certain spending threshold. Credit card companies use merchant category codes, or MCCs, to allocate rewards.

These codes are assigned by payment networks like Visa or Mastercard, and typically apply to the business, not individual purchases.

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

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

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

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

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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.

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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.