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.
While rewards on cash-back credit cards maintain consistent value no matter how you spend them, that's rarely the case with travel rewards credit cards. Often, travel rewards are worth less if redeemed on non-travel purchases.
On the other hand, if you transfer your rewards points or miles to one of the eligible loyalty programs your card issuer partners with, you can sometimes increase the value of your points.
A rewards credit card lets you earn cash back, points or miles when making purchases with that card. Beyond rewards, these cards sometimes come with additional perks like travel and purchase protections.
Whether a rewards credit card would be a good addition to your wallet depends on whether it fits your spending habits and how you're going to use it. For example, if you're going to carry a balance, even the best rewards credit cards won't be worth it for you.
High interest rates will negate the value of any rewards that you earn. Secondly, think about how complex you want your credit card strategy to be.
If you find chasing the best value exciting and don't mind putting some thought into managing your cards, a rewards card with bonus rewards or rotating categories may be a good fit. If that sounds too complicated, you might do better with a flat-rate rewards card earning the same cash-back rate on everything you buy.
Finally, ensure that the card's bonus categories match your everyday spending. If groceries are a big part of your family's budget, you might want to get a card that earns an elevated rewards rate at grocery stores.
If you have a long daily commute, it may be a good idea to apply for a credit card that offers bonus rewards at gas stations. Consider perks and benefits as well since they may increase the card's value. This may be an especially important factor if you're looking into cards with annual fees.
All in all, if a rewards credit card matches your spending habits and offers perks you can easily take advantage of to offset the annual fee, that card may be worth it for you. At the very least, if you don't ever carry a balance and treat spending on a credit card as you would a debit card, using a no-annual-fee cash-back card would give you rewards for the spending you were already going to do anyway.
If you pay for purchases with cash or debit, you're leaving extra money on the table. This is a large amount of money that can help offset the cost of past purchases or fund upcoming expenses.
Note, however, that using a rewards card only makes sense if you pay off your credit card bill in full every month. Otherwise, you'll be hit with interest charges. Not even the most generous rewards rates can offset the high APRs of credit cards. For that reason, if you tend to carry a balance, you might want to reevaluate your card spending habits before applying for a new card.
Additionally, rewards credit cards often require good or excellent credit FICO scores above , so check your credit score before applying for one of these cards.
And if your credit score could use some work, consider CNBC Select's list of the best credit cards for bad credit. 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. View All Capital One Venture X Rewards Credit Card Details. Best for rotating bonus categories. Discover it® Cash Back. Apply now at Discover's secure site.
Intro offer Cashback Match More information Close Intro Offer: Unlimited Cashback Match for all new cardmembers — only from Discover. Features: 2. Why we like this card This card is ideal if your highest spending categories vary throughout the year since it offers a valuable rotating bonus category each quarter.
Pros Rewards are redeemable at any time. Cons Enrollment is required. There is a spending cap on combined quarterly purchases. Bottom Line This is a strong cash back rewards card with plenty of opportunities to maximize rewards, provided you enroll and plot out your spending categories in advance.
Intro Offer: Unlimited Cashback Match for all new cardmembers — only from Discover. Redeem your rewards for cash at any time. Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data.
Then No annual fee. Terms and conditions apply. View All Discover it® Cash Back Details. Best for financing travel. Capital One VentureOne Rewards Credit Card.
Rewards rate 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel 1. Rewards Value: 3. Annual Percentage Rate: 2. Why we like this card The VentureOne is a solid option for the occasional traveler.
Pros You can transfer your miles to several transfer partners on a basis. This card offers one of the longer introductory APRs on the market, ideal for cardmembers who need time to pay off balances. Cons The rewards rate of 1. Bottom Line This card has plenty of perks and just enough rewards to make it a solid option for occasional travelers looking for a travel rewards credit card with no annual fee.
View All Capital One VentureOne Rewards Credit Card Details. Best second credit card. Citi Custom Cash® Card. APR 3. Features 3. Issuer Customer Experience 3. Why we like this card The Citi Custom Cash Card features a rewards program that adjusts to match your lifestyle and spending habits by offering the most generous rewards in your top eligible spending category.
Pros In addition to not charging an annual fee, there are many other perks available including a sign-up bonus and intro APR offer for purchases and balance transfers.
Points can be combined with other Citi ThankYou rewards. Bottom Line For a card that charges no annual fee, the Citi Custom Cash® offers an impressively high cash back rewards rate and allows you to maximize earnings automatically in your top spending category every month.
After that, the variable APR will be No rotating bonus categories to sign up for — as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. No Annual Fee Citi will only issue one Citi Custom Cash® Card account per person.
View All Citi Custom Cash® Card Details. Best for renters. Bilt Mastercard®. Rewards rate 3X Points 3x points on dining 2X Points 2x points on travel 1X Points 1x points on other purchases 1X Points Earn up to 1x points on rent payments without the transaction fee, up to , points each calendar year.
When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases. Intro offer No current offer Annual fee None Regular APR See Terms Recommended credit Good to Excellent More information Close CreditCards. Rewards Value 5.
Rewards Flexibility 4. Features 4. Why we like this card It features one of the most comprehensive lists of airline and hotel transfer partners on the market, offering tremendous flexibility with how you use your points. Pros Almost no other cards give you access to this many high-value transfer partners without charging an annual fee.
Earn up to 1x points on rent payments without the transaction fee, up to , points each calendar year. Earn points when you make 5 transactions that post each statement period. Annual Fee None. Regular APR See Terms. View All Bilt Mastercard® Details.
Best for customizable bonus categories. Bank of America® Customized Cash Rewards credit card. Apply now at Bank of America's secure site. Annual Percentage Rate: 3. Rewards Flexibility: 2. Why we like this card The Bank of America® Customized Cash Rewards credit card gives cardholders greater flexibility.
Pros Features the flexibility to earn cash back in the eligible category of your choosing. This is one of the few rewards cards offering bonus rewards specifically at wholesale clubs. Redemption is limited to cash back options, like statement credits, checks or direct deposit into a Bank of America account.
Bottom Line The Bank of America® Customized Cash Rewards credit card offers flexible cash back rewards without charging an annual fee, and with the potential for huge rewards boosts for existing Bank of America and Merrill account holders.
That means you could earn 3. Contactless Cards - The security of a chip card, with the convenience of a tap. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
View All Bank of America® Customized Cash Rewards credit card Details. American Express® Gold Card. Rewards rate 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.
Pros This card offers some of the highest rewards rates on dining and U. Points can be redeemed for all or only a portion of qualifying travel purchases. Bottom Line Whether you prefer to cook at home or dine out, the American Express® Gold Card offers high-value rewards for foodies who love to travel.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U. Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.
com, Milk Bar and select Shake Shack locations. Experience credit varies by property. Choose the color that suits your style. Gold or Rose Gold.
No Foreign Transaction Fees. View All American Express® Gold Card Details. Prime Visa. Apply now at Amazon's secure site. Why we like this card Given the huge array of items available on Amazon.
Pros Along with rewards on eligible online purchases, this card earns at a solid rate at restaurants and gas stations, so it can be a great standalone option.
It offers an exceptionally easy-to-earn but still valuable sign-up bonus. A few other cards offer bonus rewards on any online purchases — not just Amazon. com — so they may be a better fit if you value flexibility over a slightly higher rewards rate.
Redeem daily rewards at Amazon. com as soon as the next day Member FDIC. View All Prime Visa Details. BEST FOR ONLINE SHOPPING. Blue Cash Everyday® Card from American Express.
Why we like this card This is one of the only cards that offers year-round cash back on U. It carries impressive perks for a no-annual-fee card, including cash back on eligible Disney Bundle and Home Chef subscriptions.
Though its welcome offer is generous, it carries a relatively high spending requirement. Some competing cards offer the value with 75 percent less spending. No Annual Fee. Balance Transfer is back! After that, View All Blue Cash Everyday® Card from American Express Details. BEST FOR STUDENTS.
Capital One SavorOne Student Cash Rewards Credit Card. Introductory Offer 1. Interest and Fees 2. Rewards Program 5. Why we like this card The Capital One SavorOne Student Cash Rewards Credit Card is packed full of features that will appeal to students and young adults. Pros This card requires no credit history for approval.
This card offers a generous rewards rate on categories tailored to students. Cons The potentially high APR makes this card more expensive if you carry a balance from month to month. Bottom Line The SavorOne Student card offers bonus categories tailored to students and strong credit building opportunities to students with no credit history required for approval.
View All Capital One SavorOne Student Cash Rewards Credit Card Details. Show More Cards. Back to top.
On this page Our top picks Rewards credit card details What is a rewards credit card? Comparing the best rewards credit cards of Credit Card Best for Rewards rate Annual fee Creditcards. Activation required. Supermarkets, then 1X.
Earn 3X Membership Rewards® points on flights booked directly with airlines on amextravel. supermarkets, U. gas stations and on U. Plus, the card comes with a nice sign-up bonus, if you meet the low minimum spending requirement within the first three months from account opening. Biggest drawbacks : If you prefer to earn rewards for essential purchases, other rewards cards earn higher rewards for grocery purchases and also offer bonus rewards in other everyday categories like gas.
Bottom line : Casual spenders who can take advantage of as many of the food-and-entertainment rewards categories will get the most value out of the SavorOne card. Best for flexible travel: Capital One Venture Rewards Credit Card Best features : This easy-to-use travel card stands apart from many other travel rewards cards that come with complicated rewards programs.
Plus, the big sign-up bonus, high-earning rewards and flexible redemption options add to the appeal. So you could be missing out on the chance to quickly rack up rewards, especially if you spend a lot in areas like groceries, gas or dining.
Alternatives : For maximum travel rewards in a card with a modest annual fee, try the Chase Sapphire Preferred Card. Biggest drawbacks : People who spend a lot of money in specific areas like groceries and gas may be able to earn more cash back faster with rewards cards that have bonus categories.
Or, if you need more time to take advantage of an intro APR offer on purchases and balance transfers, other cards come with longer offers. Depending on how much you spend, this could quickly add up. And since it earns bonus rewards in nearly every major spending category other than groceries, it could pair very well with a dedicated grocery rewards card.
Biggest drawbacks : Even though it earns travel rewards, the Autograph Card makes a better cash back rewards card than it does a travel card. This puts it at a disadvantage to many of the best travel cards. On top of bonus rewards for your gas and transit purchases, you also get one of the highest rates around on U.
Bottom line : The Autograph Card is a fantastic option for households looking to earn rewards on everyday essentials while avoiding an annual fee. These perks include airport lounge access, multiple travel and consumer credits and automatic elite status with Hilton Honors enrollment required and Marriott Bonvoy.
The card also offers one of the biggest welcome bonuses in the rewards industry. Like the Platinum card, the Venture X offers Priority Pass lounge access and a statement credit for Global Entry or TSA Precheck. Bottom line : If you can take advantage of all it has to offer, the Platinum Card is worth its weighty annual fee.
Biggest drawbacks : There are limited transfer options for people traveling stateside. Learn more about the best Citi credit cards. Alternatives : Travelers may prefer the Chase Sapphire Preferred Card. Bottom line : The Citi Premier card is a good alternative to other cards that earn at a similar rewards rate with the same annual fee, but is held back by limited transfer options and relatively lower rewards categories.
Best for U. Add in a generous welcome offer, an introductory APR on new purchases and balance transfers and a number of purchase and travel protections, and you have a great all-around card for households.
supermarkets to come out ahead after year one, as illustrated by our comparison between the Blue Cash Preferred and the Blue Cash Everyday® Card from American Express. Bottom line : The Blue Cash Preferred is a top American Express card. With its rewards rates and intro APR, this card is great for household shoppers who have a few big purchases coming up.
Tiered bonus rewards cover travel, dining and most online grocery purchases, which make it a quick rewards earner for home shoppers or those on the go. Because of this boost to rewards redemption, the Sapphire Preferred could provide a lot more value compared to other travel cards. Best for annual credits: Capital One Venture X Rewards Credit Card Best features : The Venture X gives travelers a taste of luxury at a lower cost compared to other premium travel cards.
Bottom line : The Capital One Venture X Rewards Credit Card is a great travel card for those who want a premium card without the large annual fees found with other cards like The Platinum Card® from American Express and the Chase Sapphire Reserve card.
Best for rotating bonus categories: Discover it® Cash Back Best features : For no annual fee, this card offers competitive cash back, an unlimited cash-back match at the end of your first year and a lengthy promotional APR on balance transfers and purchases.
See more of the best zero interest credit cards. Biggest drawbacks : You have a little bit of legwork to do to earn your bonus cash back — namely, enrolling for the rotating categories each quarter and shifting your spending habits to maximize your earnings.
Alternatives : Similar to the Discover it® Cash Back, the Chase Freedom Flex offers generous cash back in rotating bonus categories that you must activate each quarter. On top of that, the card offers high cash back on Ultimate Rewards travel, dining and drugstore purchases.
Bottom line : Savvy spenders who can adjust their spending quarterly can really rack up rewards with this classic cash back credit card that offers tremendous potential to earn cash back on purchases in rotating bonus categories per quarter and matches all the cash back you earn at the end of your first year.
Best for financing travel: Capital One VentureOne Rewards Credit Card Best features : This entry-level travel card makes it easy to earn unlimited miles without worrying about an annual fee See Rates and Fees. Biggest drawbacks : The rewards rate is not the best out there.
Alternatives : The Bilt Mastercard has similar features but goes further, offering rewards for rent purchases without the transaction fees, bonus rewards in multiple categories, and a chance to earn double points on all non-rent purchases on the first of every month.
Bottom line : The VentureOne will bring some value to the wallets of occasional travelers who want to earn travel rewards for everyday purchases without having to pay an annual fee.
Cardmembers earn 5 miles per dollar on hotels and rentals booked through Capital One Travel and 1. Best second credit card: Citi Custom Cash® Card Best features : This no-annual-fee card keeps things simple by automatically earning a top-of-the-line cash back rate in one eligible spending category each billing cycle subject to a cap each billing cycle.
That long-term flexibility pairs nicely with other features of the card that provide great short-term value. Citi is also offering an attractive sign-up bonus and introductory APR on purchases and balance transfers. Alternatives : With one of the best flat cash back rates available, the Citi Double Cash® Card is a great no-frills, all-purpose rewards card.
You earn a flat cash back rate on purchases with no spending caps, unlike the Citi Custom Cash Card. Best for renters: Bilt Mastercard Best features : No other cards help you avoid fees on rent payments or offer such flexible and valuable travel rewards without charging an annual fee.
Biggest drawbacks : You can only redeem rewards toward rent payments, a future home down payment or — if you want the best value — for travel. Alternatives : This is your best option if you want to earn rewards and avoid fees on rent payments, but other cards may offer better short-term value.
The Capital One VentureOne Rewards Credit Card also offers transferable points but lets you take advantage of a generous intro APR offer and has a sign-up bonus.
Best for customizable bonus categories: Bank of America® Customized Cash Rewards credit card Best features : Unlike most credit cards, the Bank of America Customized Cash Rewards card lets you choose your bonus rewards category.
The base rewards are good for a no-annual-fee credit card and include wholesale clubs, which is a rare find for a general-purpose rewards card. While spending caps on boosted rewards are common, combining that cap between multiple categories stunts rewards across more than one area of your spending.
The customizable features, along with a chance to earn rewards at wholesale clubs, pair up nicely with short-term perks, including a sign-up bonus and intro APR offer on purchases and balance transfers.
supermarkets and flights. See how we value Amex points. Getting the most bang for your buck requires a little legwork. Alternatives : The Citi Premier® Card is an often-overlooked travel rewards credit card comparable to the Amex Gold Card.
The Citi Premier Card could offer more rewards at a wider range of places depending on your spending habits. This makes it a terrific standalone rewards option for Amazon Prime members.
You can earn rewards on eligible U. online retail purchases not just Amazon purchases and at most U. supermarkets not just Whole Foods.
Best for online shopping: Blue Cash Everyday® Card from American Express Best features: This card stands out for its mix of lucrative and practical rewards categories. It not only covers staples like groceries and gas, but also purchases with select U.
Biggest drawbacks: While the card offers terrific flexibility with its online shopping category, its U. You can also only redeem rewards as a statement credit. Alternatives: The Bank of America® Customized Cash Rewards credit card may give you a bit more flexibility. You can not only choose your own eligible bonus category each month online shopping is just one option , but also earn bonus cash back year round at both grocery stores and wholesale clubs.
Best for students: Capital One SavorOne Student Cash Rewards Credit Card Best features : The SavorOne Student card earns unlimited cash back and even has bonus categories that cover student-friendly spending areas like dining, popular streaming services and grocery stores.
Plus, if you already have good credit or better, you may be better off applying for the non-student version of the card to benefit from its intro APR offer and sign-up bonus.
Plus, Discover will match all the cash back you earn at the end of your first year, which could make for an impressive cash rewards payday. Bottom line : This card carries a reasonable annual fee and solid mid-level perks, so it could be a great fit for occasional travelers interested in earning Amex points.
The card also comes with additional benefits like a welcome bonus for new cardholders and a decent annual credit for streaming services.
Alternative : The Blue Cash Preferred® Card from American Express charges an annual fee after the first year, but is loaded with value. Cardmembers earn substantial cash back at U.
supermarkets, which makes it a great choice for cardholders who eat at home more often than at restaurants. Bottom line : Anyone who eats out or orders food delivery should take advantage of the U.
Best rewards credit cards compared ; Citi Premier® Card. Points and miles. Earn 60, bonus ThankYou® Points after you spend $4, in purchases within the Chase Freedom Unlimited®: Best feature: Flexible cash back rewards. Chase Sapphire Preferred® Card: Best feature: Travel rewards. Delta SkyMiles® Blue American Find the best rewards credit cards that can add value to your wallet. Earn points, miles, and cash back without overspending with help from