From travel to groceries to gas, rewards cards help you earn cash, points or miles from your credit card spending. You can redeem your stockpile of rewards for cash, travel or shopping. We combed through all the rewards cards available and compiled a list of our favorite credit cards. With the right one, you can save on shopping, plan a free vacation and more.
For a more comprehensive list, see our best credit card bonuses here.
|Chase Sapphire Preferred® Card||Best for travel rewards|
Best sign-up bonus
Best beginner travel rewards card
|Capital One® Venture® Rewards Credit Card||Best for simple & flexible travel rewards|
|The Platinum Card® from American Express||Best for luxury travel|
|Wells Fargo Propel American Express Card||Best no-annual-fee travel card|
Best for gas rewards
|Blue Cash Preferred® Card from American Express||Best for families|
|American Express® Gold Card||Best for U.S. supermarket rewards|
Best for dining at restaurants
|Capital One® Savor® Cash Rewards Credit Card||Best for dining & entertainment rewards|
|Citi® Double Cash Card||Best for flat-rate cash rewards|
Best no-annual-fee card
|Discover it Cash Back Card||Best for bonus category cash rewards|
|Capital One® QuicksilverOne® Cash Rewards Credit Card||Best for fair/average credit|
Types of Rewards
The kind of rewards you earn varies from card to card, but the main types are:
This is the simplest and most straightforward type of rewards. You’ll get a percentage back on every purchase you make, which you can later redeem at a fixed value.
Cash rewards are great because they have more flexibility than points and miles, and its flexibility does not compromise its value.
Transferable points are the issuers’ rewards currencies that can be transferred to partner loyalty programs for optimal value. In general, this type of reward holds the most value because of its redemption flexibility.
In recent years, a new form of rewards have gained traction. These hybrid cards earn cash back, but you can also convert their cash rewards into more valuable point currencies when paired with other cards in the same family.
These rewards cards earn points or miles for a specific loyalty program, usually an airline or hotel. They often come with brand-specific perks like free checked bags (airline cards) and complimentary elite status (hotel cards).
Loyalty program currencies aren’t as flexible as transferable points, but they can hold a lot of value. Here is a list of our favorite airline rewards credit cards. You might also want to take a look at our best hotel credit cards.
What We Considered
We looked at a variety of factors when we made our best rewards credit cards list, including:
- Welcome bonus
- Earning potential
- Annual fees
- Point values
- Rewards flexibility
- Rewards simplicity
- Additional benefits
- Transfer partners
- Rates & fees
The Best Rewards Credit Cards
The Chase Sapphire Preferred® Card is the best card for travel rewards and the best beginner travel rewards card. It also has the best sign-up bonus.
The Capital One® Venture® Rewards Credit Card is the best card for simple and flexible travel rewards. You can use your miles to “erase” your travel purchases at a fixed rate of $0.01 per mile, with no blackout dates.
The Platinum Card® from American Express is the best card for luxury travel.
The Wells Fargo Propel American Express Card is the best no-annual-fee travel card and the best card for gas rewards.
The Blue Cash Preferred® Card from American Express is the best card for families.
The American Express® Gold Card is the best card for U.S. supermarket rewards and for dining at restaurants.
The Capital One® Savor® Cash Rewards Credit Card is the best card for dining and entertainment rewards.
The Citi® Double Cash Card is the best no-annual-fee card and the best card for flat-rate cash rewards.
The Discover it Cash Back Card is the best card for bonus category cash rewards.
The Capital One® QuicksilverOne® Cash Rewards Credit Card is the best card for those with fair or average credit.
While we focused on rewards credit cards in this post, you’ll want to choose a card with additional earning potential that matches your spending behavior. For our guide on the best credit cards in other categories, check out these other posts:
There’s not one rewards credit card that’s a perfect fit for everyone. The “right” card for you depends on your spending habits and your financial goals.
Either way, look at the cards’ annual fee, rewards rate and benefits to decide on the ones will give you the most value in the long term. Then, narrow it down by which offers the best welcome bonus.
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|Huntington Bank||$500 Cash||Review|
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