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Choosing the best rewards credit card depends on what type of rewards you want to earn: cash back, points or miles. Our picks for best cash back rewards cards let you earn cash back on everyday spending, while the best travel rewards cards can help you turn that dream vacation into a reality. Citi is an advertising partner.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases
Intro Purchase APR0% intro on purchases for 15 months
Regular Purchase APR19.99% - 29.99% (Variable)
Annual Fee$0
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Elevated rate on dining, entertainment and groceries
$0 annual fee
Intro APR period for purchases and balance transfers
Potentially high regular APR
Target and Walmart excluded from grocery category
A balance transfer fee applies
The Capital One SavorOne Cash Rewards Credit Card is tough to beat. It offers an easy-to-earn sign-up bonus and boosted reward rates on dining, groceries and entertainment. Plus you’ll get an intro APR on purchases and balance transfers — all for a $0 annual fee.
A balance transfer fee applies for promotional rates that Capital One may offer.
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
*The information related to the Capital One SavorOne Cash Rewards Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Earn 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel
Intro Purchase APRN/A
Annual Fee$150
Regular Purchase APRN/A
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Elevated rate on hotels and rental cars booked through Capital One Travel
No preset spending limit
Opportunity to earn annual $200 bonus
$150 annual fee
Have to pay balance in full each month
High spending requirement for bonuses
One of the most rewarding credit cards for business owners, the Capital One Spark Cash Plus lets you earn 2% cash back on every purchase. It also comes with an excellent sign-up bonus.
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply
For businesses that need large spending capacity and want to maximize cash back
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
Intro Purchase APR0% intro APR for 15 months on Purchases
Annual Fee$0
Regular Purchase APR18.74% - 28.74% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Cash back earned automatically (no need to opt in)
Sign-up bonus
$0 annual fee
Potentially high regular APR
Cash back for top spending category limited to $500 per billing cycle
Foreign transaction fees
The Citi Custom Cash® Card’s unique rewards program lets you earn cash back on every purchase, including 5% on your top eligible spending category each billing cycle (up to $500). Gas is included in the eligible categories, making it one of the highest earning cash back cards for gas purchases. It’s also an excellent choice for anyone who spends a significant amount on any of these other eligible categories:
Restaurants
Grocery stores
Select travel
Select transit
Select streaming services
Drugstores
Home improvement stores
Fitness clubs
Live entertainment
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
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.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Intro Purchase APR0% intro APR for 12 months from account opening
Annual Fee$0
Regular Purchase APR19.74%, 24.74%, or 29.74% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
The best-in-class Wells Fargo Active Cash® Card lets you earn unlimited 2% cash rewards on purchases and comes with an easy-to-earn welcome bonus. It also offers a long intro APR on purchases and balance transfers, making it a great option for financing a large purchase or consolidating debt.
Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
*The information related to the Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Intro Purchase APR0% Intro APR on Purchases for 15 months
Annual Fee$0
Regular Purchase APR19.99% - 28.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Long intro APR for purchases and balance transfers
Requires good / excellent credit
Foreign transaction fees
Limited bonus spend categories
With the $0-annual-fee Chase Freedom Unlimited®, you can earn 3% cash back on dining (including takeout and delivery), as well as 1.5% on all other purchases. It also features an excellent sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
Intro Purchase APRN/A
Annual Fee$0
Regular Purchase APR27.74% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Elevated earning rate at restaurants and gas stations
$0 annual fee
No foreign transaction fees
Requires a security deposit
Low credit limit
High APR
Our pick for the best secured credit card, the Discover it® Secured Credit Card also doubles as a solid rewards card. It lets you earn cash back — including an elevated rate on gas and restaurants — on every purchase while building your credit. Plus, after seven months with the card, Discover begins conducting monthly account reviews to see if you’re eligible to graduate to an unsecured card.
No credit score required to apply. No Annual Fee.
Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
Raise your credit score by 30+ points.
Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
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. It’s free, activate with the mobile app.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
Terms and conditions apply.
*The information related to the Discover it® Secured Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
Intro Purchase APR0% Intro APR for 6 months
Annual Fee$0
Regular Purchase APR17.24% - 28.24% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
In addition to its high earning rate on rotating bonus categories, the $0-annual-fee Discover it® Balance Transfer offers one of the longest intro APR periods on balance transfers. You’ll get a 0% Intro APR for 18 months on balance transfers, after which a 17.24% - 28.24% Variable APR applies. Plus, you can take advantage of Discover’s Unlimited Cashback Match sign-up bonus.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
Redeem your rewards for cash at any time.
Your account may not always be eligible for balance transfers. Balance transfer eligibility is determined at Discover’s discretion.
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. It’s free, activate with the mobile app.
No annual fee.
Terms and conditions apply.
*The information related to the Discover it® Balance Transfer has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best rewards credit card for fair credit
Capital One QuicksilverOne Cash Rewards Credit Card
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Intro Purchase APRN/A
Annual Fee$39
Regular Purchase APR29.99% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Elevated rate on hotels and rental cars booked through Capital One Travel
No foreign transaction fees
Automatic reviews for credit line increases
No sign-up bonus
$39 annual fee
High APR
The Capital One QuicksilverOne Cash Rewards Credit Card gives cardholders with limited / fair credit a chance to earn cash back while improving their credit score. While there’s no security deposit required, you will have to pay a $39 annual fee. However, the rewards you earn will more than cover that if you use the card regularly.
Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
Be automatically considered for a higher credit line in as little as 6 months
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Help strengthen your credit for the future with responsible card use
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.
Intro Purchase APR0% Intro APR for 6 months on purchases
Annual Fee$0
Regular Purchase APR17.74% - 26.74% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
The $0-annual-fee Discover it® Student Cash Back is an excellent first credit card for college students. It can help you build credit history while earning cash back on every purchase, including 5% on rotating bonus categories.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
No credit score required to apply.
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. It’s free, activate with the mobile app.
No annual fee and build your credit with responsible use.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.74% - 26.74% applies.
Terms and conditions apply.
*The information related to the Discover it® Student Cash Back has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases
Intro Purchase APRN/A
Annual Fee$0
Regular Purchase APR19.99%–28.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
The Prime Visa is hands-down the best rewards credit card for Amazon Prime members, offering an unbeatable 5% cash back on all Amazon purchases. As a bonus, you’ll also get 5% back at Whole Foods and on Chase Travel purchases. There’s no annual fee to carry the Prime Visa, but you will have to maintain your Prime membership ($139 annually) to keep reaping the card’s numerous benefits.
Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
Earn unlimited 1% back on all other purchases
No annual credit card fee
No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Intro Purchase APRN/A
Annual Fee$95
Regular Purchase APR20.99% - 27.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
The Chase Sapphire Preferred® Card is our pick for the best travel rewards card because it gives you the best all-around value for a reasonable annual fee. It offers elevated rewards rates on travel and dining, excellent travel protections and a great sign-up bonus — all for an annual fee of $95.
Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
14X points on eligible purchases at hotels or resorts in the Hilton Portfolio, 7X points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and U.S. restaurants and 3X points on other purchases
Intro Purchase APRN/A
Annual Fee$550
Regular Purchase APR20.49% to 29.49%
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Complimentary Hilton Honors Diamond status (enrollment required)
Global airport lounge access
$550 annual fee
Potentially high APR
The Hilton Honors Aspire Card from American Express is ideal for frequent travelers who prefer to stay at Hilton properties. You’ll earn huge rewards on Hilton hotel and resort stays, as well as flights, car rentals and U.S. restaurants. The card also boasts a bevy of travel credits, highlighted by airfare and hotel credits (enrollment required) up to $500.
14X Hilton Honors Bonus Points at hotels and resorts in the Hilton portfolio worldwide
7X Hilton Honors Bonus Points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and at U.S. restaurants
3X Hilton Honors Bonus Points on other purchases
Complimentary Hilton Honors Diamond status (enrollment required)
One Free Night Reward in your first year of Card Membership and every year upon Card renewal
Up to $400 Hilton Resort credit
Up to $200 flight credit (up to $50 per quarter)
Up to $199 CLEAR credit (enrollment required)
$100 on-property credit at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts when booking the exclusive Aspire Card package
National Car Rental® Emerald Club Executive® Status (enrollment required)
Access to 24/7 American Express concierge
No foreign transaction fees
Terms apply
*The information related to the Hilton Honors Aspire Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
Intro Purchase APRN/A
Annual Fee$350
Regular Purchase APR20.49%-29.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Boosted earning rate on Delta purchases and hotels
15% off on Delta award flights
No foreign transaction fees
$350 annual fee
Potentially high APR
With the Delta SkyMiles® Platinum American Express Card, you’ll earn valuable miles on every purchase, including 3x miles on Delta and hotel purchases. The card also features a large welcome offer and numerous travel credits and benefits, as well as a 15% discount on Delta Award flights.
*To see rates & fees for Delta SkyMiles® Platinum American Express Card, please click here.
Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Receive a Companion Certificate on a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
Earn 1X Miles on all other eligible purchases.
$120 Resy Credit: When you use your enrolled Delta SkyMiles® Platinum American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $10 back each month in statement credits.
$120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that's a potential savings of up to $280 per round-trip flight.
Receive Zone 5 Priority Boarding on Delta flights
board early, stow your carry-on bag and settle in sooner.
Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
No Foreign Transaction Fees.
$350 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
*The information related to the Delta SkyMiles® Platinum American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.
Intro Purchase APRN/A
Annual Fee$695
Regular Purchase APRSee Pay Over Time APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
High rewards rate on flights and hotels booked through American Express Travel
$1,000+ worth of travel and shopping credits
Complimentary hotel elite status
Global airport lounge access
$695 annual fee
Low earning rate on non-travel purchases
If you want to earn miles but aren’t dedicated to a specific airline, The Platinum Card® from American Express is an excellent choice. You’ll earn 5x on flights booked directly with airlines, as well as hotels booked through American Express Travel. The card also comes with a long list of travel benefits and credits, which you can use to offset its annual fee.
*To see rates & fees for The Platinum Card® from American Express, please click here.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
$199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. 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.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.
Intro Purchase APRN/A
Annual Fee$95
Regular Purchase APR20.74% - 25.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Elevated rewards rate for travel and select business categories
No foreign transaction fees
$95 annual fee
High spending requirement to earn sign-up bonus
The Ink Business Preferred® Credit Card is ideal for business owners who want to earn elevated rewards on travel and other everyday business expenses. You’ll get a variety of redemption options, including a 1:1 transfer to several airline and hotel loyalty programs. The card also comes with a huge sign-up bonus — although it could be hard to earn for small businesses or startups.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
Our experts rate credit cards based on several factors including card benefits, bonus
offers and independent research. Credit card issuers do not influence or have a say in our card ratings.
Read our credit card methodology here.
1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
Intro Purchase APR0% intro on purchases for 15 months
Annual Fee$0
Regular Purchase APR19.74% - 29.74% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
Elevated rewards on hotels and rental cars booked through Capital One Travel
Easy-to-earn sign-up bonus
$0annual fee
Potentially high APR
Geared toward consumers with good / excellent credit
If you’re new to travel and want a card that doesn’t hit you with an annual fee, the Capital One VentureOne Rewards Credit Card is a solid pick. It offers bonus earning rates on hotels and rental cars booked through Capital One Travel, a decent rewards rate on general purchases and an easy-to-earn sign-up bonus.
$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies
For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply
Comparison summary of the best rewards credit cards
Credit Cards
Our Ratings
Rewards Rate
Welcome Offer
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases
Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
Discover will match all the cash back you’ve earned at the end of your first year.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases
Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
14X points on eligible purchases at hotels or resorts in the Hilton Portfolio, 7X points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and U.S. restaurants and 3X points on other purchases
Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
*The information for the Capital One SavorOne Cash Rewards Credit Card, Wells Fargo Active Cash® Card, Discover it® Secured Credit Card, Discover it® Balance Transfer, Discover it® Student Cash Back, Hilton Honors Aspire Card from American Express and Delta SkyMiles® Platinum American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.
Best rewards credit cards
Capital One SavorOne Cash Rewards Credit Card
Best cash back rewards credit card
One of the most popular cards in Capital One’s lineup, the Capital One SavorOne Cash Rewards Credit Card lets you earn cash back on every purchase, including an elevated 3% rate on useful categories like dining, groceries and streaming services. However, sports fans and nightlifers will get the most value from this card, as you’ll get a whopping 8% cash back on Capital One Entertainment purchases. Plus, you’ll get a solid sign-up bonus and long intro APRs — all for a $0 annual fee.
*To see rates & fees for Capital One SavorOne Cash Rewards Credit Card, please click here.
Capital One Spark Cash Plus
Best business rewards credit card
A good business rewards card is a must-have for any business owner, big or small. The Capital One Spark Cash Plus comes with no preset spending limit and lets you earn Earn 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel. It also boasts one of the largest sign-up bonuses available (albeit with a high spending requirement), which can help offset large up-front expenses for new business owners: $2000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
Citi Custom Cash® Card
Best gas rewards credit card
Commuters and road warriors will be hard-pressed to find a better rewards card than the $0-annual-fee Citi Custom Cash® Card. It lets you earn cash back on every purchase, as well as an impressive 5% in eligible spending categories (including gas) each billing cycle. The average American spends between $150-$200 on gas each month, and this card could put a lot of that back in your wallet. The Citi Custom Cash® Card also comes with a valuable welcome offer and an intro APR on purchases and balance transfers.
Wells Fargo Active Cash® Card
Best flat-rate cash back credit card
The Wells Fargo Active Cash® Card is the ultimate low-maintenance rewards card. Redemption options are simple, and there are no bonus categories or quarterly promotions to keep track of — you simply earn 2% cash back on every purchase. Plus, the Wells Fargo Active Cash® Card is currently the only 2% cash back card offering a welcome bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Chase Freedom Unlimited®
Best dining rewards credit card
Whether you’re dining in or dining out, the Chase Freedom Unlimited® is perfect for foodies. It lets you earn 3% cash back on dining, as well as 1.5% back on groceries and all other purchases. And if you take full advantage of the card’s generous Unlimited Matched Cash Back welcome offer, you could end up with a small fortune to dedicate towards dining after your first year.
Discover it® Secured Credit Card
Best rewards credit card for bad credit
The Discover it® Secured Credit Card is great choice if you want to earn cash back on purchases but have limited / poor credit. You’ll get a solid rewards program, an intro APR on balance transfers and a cash back match after your first year. This combination of features is rare for a secured credit card — especially one with a $0 annual fee. The Discover it® Secured Credit Card does require a refundable $200 minimum security deposit, which you’ll get back if you close your account or graduate to an unsecured card.
Discover it® Balance Transfer
Best for balance transfers and rewards
If you’re carrying high-interest debt on a non-Discover card, transferring your balance to the Discover it® Balance Transfer will give you an 18-month window to pay it off without incurring interest. Once you’ve paid off the balance, this card is worth keeping in your wallet for its cash back rewards. You’ll earn 5% on different bonus categories each quarter, as well as 1% on everything else. Just know that you’ll need to activate the new bonus category each quarter to earn the elevated rate.
Capital One QuicksilverOne Cash Rewards Credit Card
Best rewards credit card for fair credit
The Capital One QuicksilverOne Cash Rewards Credit Card is a great choice if you have limited / fair credit and want to earn cash rewards while building your credit. Although it doesn’t come with a sign-up bonus, you’ll earn a high rate of cash back on every purchase — including 5% on hotels and rental cars booked through Capital One Travel. Plus, you won’t have to provide a security deposit to carry the card, and Capital One will start considering you for a credit line increase in as little as six months.
Discover it® Student Cash Back
Best student rewards credit card
The Discover it® Student Cash Back is a great way for students to get started on their credit-building journey — and score some serious cash back while doing so. You don’t need a credit score to apply, and you won’t have to pay an annual fee to carry the card. You’ll earn cash back on every purchase, including 5% on useful rotating bonus categories. Just know that you’ll need to activate the bonus categories each quarter to take advantage of this elevated rate.
Prime Visa
Best Amazon rewards credit card
If you’re already doing most of your shopping at Amazon, why not earn some cash back while you’re at it? The Prime Visa is a no-brainer for Amazon Prime members, who get 5% back on purchases made at Amazon, Amazon Fresh and Whole Foods. But this isn’t your typical store card — you’ll also earn on every purchase made outside the Amazon network, including boosted rates on restaurants, gas stations, transit and Chase Travel purchases. To further sweeten the deal, new cardmembers will also receive an Amazon gift card upon approval.
Chase Sapphire Preferred® Card
Best travel rewards credit card
For many, the Chase Sapphire Preferred® Card is the ideal travel card. You’ll earn valuable, flexible travel points on every purchase you make, highlighted by 5x points on travel purchased through Chase Ultimate Rewards®. You’ll also get a boosted rate on everyday spending categories, like dining, groceries and select streaming services. Points can be redeemed in several ways, including cash back, gift cards and travel purchased through Chase. However, you’ll get the most bang for your buck if you transfer your points to one of Chase’s 14 travel partners.
Hilton Honors Aspire Card from American Express
Best hotel rewards credit card
If you’re a Hilton Honors loyalist, you can earn unbeatable rewards on participating Hilton hotel and resort stays with the Hilton Honors Aspire Card from American Express. The $550 annual fee might be too steep for some, but avid travelers can take advantage of the card’s numerous travel credits and perks to offset that cost. Plus, you’ll get an opportunity to earn an excellent welcome offer: Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
The information related to the Hilton Honors Aspire Card from American Express has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
Delta SkyMiles® Platinum American Express Card
Best airline rewards credit card
If you’re looking to earn airline miles — not to mention airline perks — look no further than the Delta SkyMiles® Platinum American Express Card. You’ll earn more miles when you make purchases at Delta, hotels, restaurants and U.S. supermarkets. Plus, you can easily offset the $350 annual fee with Delta perks like a free checked bag on each flight and a credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider.
The Platinum Card® from American Express
Best premium travel credit card
If you travel frequently enough to take advantage of the benefits, you stand to squeeze a lot of value from The Platinum Card® from American Express. In addition to earning valuable Membership Rewards® points, you’ll also get Marriott Bonvoy™ Gold Elite status (enrollment required), automatic Hilton Honors Gold status (enrollment required) and premium car rental privileges. Plus, you’ll be able to cash in on over $1,000 in credits — more than enough to cover the card’s $695 annual fee.
Ink Business Preferred® Credit Card
Best business credit card for travel rewards
If you’re a business owner who racks up miles on business trips, you’ll have a hard time finding a better rewards card than the Ink Business Preferred® Credit Card. You’ll earn rewards with every purchase, and you can take advantage of bonus earnings on travel and select business categories up to $150,000 per year. Plus, points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®.
Capital One VentureOne Rewards Credit Card
Best starter travel credit card
Not all who wander are lost — especially if you have a great travel card in your wallet. Those new to travel credit cards will appreciate the Capital One VentureOne Rewards Credit Card’s $0 annual fee, basic travel benefits and simple approach to earning and redeeming miles. You’ll earn unlimited 1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. While you can redeem your miles for cash back and gift cards, you’ll get more value when you book travel through Capital One or transfer to one of their many transfer partners.
*To see rates & fees for Capital One VentureOne Rewards Credit Card, please click here.
What is a rewards credit card?
A rewards credit card gives you cash back, points or miles as a reward for making purchases with the card. For many consumers, cash back is king. However, frequent travelers may find that a travel card’s points or miles are more valuable. The best rewards credit cards come with flexible redemption options, sign-up bonuses and other valuable perks.
Are credit card rewards taxable?
Typically, the IRS does not consider credit card rewards taxable income. They are instead treated as rebates or discounts, since you usually earn them as a result of your spending. That said, if the reward doesn’t require that you spend a certain amount to earn it (e.g. a sign-up bonus that you earn instantly), the IRS may consider it taxable income. If you’re unsure about a specific situation, we recommend contacting a tax professional.
Types of rewards cards
Rewards credit cards can be divided into two main categories: cash back cards and travel cards. Cash back credit cards give you a percentage of your purchases back as cash rewards, while travel cards offer valuable points or airline miles.
Cash back rewards credit cards
There are several types of cash back cards, each with its own rewards structure. While there are plenty of choices in each category, the best cash back rewards card will align with your lifestyle and spending habits.
Flat-rate cash back credit cards
Flat-rate cards give the same percentage of cash back on every purchase, regardless of category. A major benefit of these cards is that you won’t have to track bonus categories or quarterly promotions. The Wells Fargo Active Cash® Card, which allows you to earn unlimited 2% cash rewards on purchases, is one of the most popular flat-rate cash back cards.
Tiered cash back credit cards
These cards offer higher rewards rates in specific categories, as well as a lower flat rate on all other purchases. An example of a popular tiered cash back card is the Blue Cash Preferred® Card from American Express. It offers Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.
Rotating cash back credit cards
Rotating cash back cards offer high cash back rates on specific categories for a limited amount of time, usually quarterly. Some rotating cash back cards require you to opt in to receive the higher rewards rate, which usually comes with a spending cap. The Discover it® Cash Back is one of the most popular rotating cash back cards. It offers 5% cash back on rotating quarterly bonus categories along with 1% on all other purchases.
How to earn cash back rewards
Earning cash back rewards is as simple as using your cash back card to make purchases. You’ll typically earn rewards on every purchase, with tiered and rotating rewards cards offering a bonus rate on specific categories. You can also earn rewards by taking advantage of your card’s sign-up bonus. Earning requirements differ, but you’ll generally need to spend a certain amount with the card within the first few months.
How to redeem cash back rewards
Cash back redemption options vary from card to card, but some of the most common options include:
A statement credit on your monthly bill
Direct deposit into your bank account
A check
Gift cards
Merchandise
What is the best credit card for cash back rewards?
Our pick for the best credit card for cash back rewards is the Capital One SavorOne Cash Rewards Credit Card. This $0-annual-fee card offers tiered rewards on a lengthy list of categories, as well as a flat rate on everything else. Plus, you’ll get an easy-to earn sign-up bonus and a solid intro APR on purchases and balance transfers.
A balance transfer fee applies for promotional rates that Capital One may offer.
*To see rates & fees for Capital One SavorOne Cash Rewards Credit Card, please click here.
Travel protections (trip insurance, rental car insurance, etc.)
General travel cards
Best for travelers who aren’t loyal to a particular airline or hotel group, these cards give you flexible points for every dollar you spend. Some credit card issuers (like Capital One) refer to points as “miles,” but the concept is the same. Depending on the card, you can redeem these points or miles to book travel on your credit card issuer’s travel portal, transfer the points to travel partners or redeem the points for cash back or gift cards.
Airline credit cards
If you’re a frequent flyer with a favorite airline, these co-branded cards can reward you generously for your loyalty. In addition to earning valuable miles on flights and other travel-related purchases, airline cards often provide airline-specific benefits. Perks like free checked bags, priority boarding and in-flight discounts add significantly to a card’s value. Some cards even accelerate your path to elite status based on your annual spending.
Hotel credit cards
Like airline cards, hotel cards offer great value for travelers who are dedicated to a specific brand. While earning points by staying at your favorite hotels and resorts, you’ll also get hotel-specific perks, like elite status, free nights and early check-in. Some of the most popular hotel groups — like Marriott and Hilton — have thousands of properties around the world, allowing you to earn points on a global scale.
How to earn travel rewards
With travel rewards cards, you’ll earn points or miles each time you use the card. You’ll typically get a higher rate on travel-related spending, especially purchases from the hotel chain or airline associated with the card. Travel cards also have some of the most valuable sign-up bonuses out there, so make sure you take advantage of your card’s offer as well. For example, the Chase Sapphire Preferred® Card lets you get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
How to calculate travel rewards
Unlike cash back rewards, which have a fixed value, the value of points and miles vary based on how you redeem them. Adding to the complexity, prices for flights and hotel stays can fluctuate depending on date, location and seat/room type. However, these simple calculations can help you determine point/mile values for any scenario.
Airline miles
To determine the value of an airline mile, you divide the cost of the flight (minus taxes and fees) by the number of points needed to book it.
Mile value = Cost in cash (minus taxes and fees) ÷ Number of points needed for booking
For example, if it takes you 30,000 miles to cover a $400 flight, your miles are worth about $0.013 each.
Hotel points
The calculation is similar for hotel points, except that you use the total price including taxes and fees.
Point value = Cost in cash (including taxes and fees) ÷ Number of points needed for booking
For example, if it takes you 30,000 points to pay for a $215 hotel reservation, your points are worth $0.007 each.
To give you a reference, here’s how some of the most popular reward programs compare:
The redemption process for travel rewards cards can be a bit more complex than that of cash back cards. Redemption depends on the type of card and how you want to use your rewards, but you’ll usually redeem your points or miles through the card’s rewards portal or the associated loyalty program.
General travel cards
With general travel cards, you’ll typically get the most value when you redeem points through your card issuer’s travel portal or transfer them to an airline or hotel partner. Most travel cards also let you redeem points for cash back, statement credits and gift cards. However, these options usually translate to a lower point value.
Airline cards
To make the most of your miles, you’ll want to redeem them for free flights through the airline’s loyalty program, including flights with its alliance partners (if it belongs to an airline alliance). Other common redemption options include flight upgrades, car rentals and even transferring miles to a hotel partner. If you’ve already booked your flight, these alternatives may be tempting. Just keep in mind that they almost always offer less value than free or discounted airfare.
Hotel cards
Redemption options vary for hotel cards, but you’ll generally get the most value when you use your points to book stays through the hotel’s loyalty program. Even if you don’t have enough points to cover the full stay, most programs allow you to pay the difference in cash. Some hotel cards give you the option to transfer points to airline partners, but choices are usually slim and transfer rates poor. One exception is the Marriott Bonvoy program, which boasts nearly 40 airline partners and a 3:1 transfer rate in most cases.
What is the best credit card for travel rewards?
Our pick for the best credit card for travel rewards is the Chase Sapphire Preferred® Card. For a reasonable $95 annual fee, you’ll get a generous sign-up bonus and rewards rate, as well as travel credits and protections. You can redeem your Ultimate Rewards points through Chase’s travel portal or transfer them to a variety of travel partners at a rate of 1:1.
How to choose the best rewards credit card
Pick your rewards
The first step in choosing the right rewards card is to decide what kind of rewards you want: cash back, points or miles. If you only travel a few times a year, you’re better off with a cash back card. But if you’re constantly on the road or in the air, you may find points and miles more valuable.
Match rewards with your spending
Find a card that rewards you for the spending you’re already doing. For example, if you typically dine out or order in, look for a dining rewards credit card. But if you cook most of your meals at home, a grocery rewards credit card is a better choice.
Find out what cards you can qualify for
Knowing your credit score allows you to focus on the rewards credit cards you’re most likely to get approved for. The best rewards credit cards require good to excellent credit (a FICO Score of 670 or greater), but there are great options for every type of credit. Even people with fair credit or those who are rebuilding their credit can qualify for cards with valuable rewards and benefits.
FICO Score
Vantage Score
300-579 is poor credit
580-669 is fair credit
670-739 is good credit
740-799 is very good credit
800-850 is exceptional credit
300-499 is very poor credit
500-600 is poor credit
601-660 is fair credit
661-780 is good credit
781-850 is excellent credit
Decide how much time you’ll spend maximizing rewards
Credit card rewards don’t have to be complicated, but you can certainly spend a lot of time planning, tracking and redeeming your rewards in order to maximize their value. If you want a low-maintenance option, go for a cash back card with high rates on your most common spending categories. You can even pair this card with a cash back card that offers cash back rewards on every purchase, like the Citi Double Cash® Card.
If you’re willing to invest some time into getting more value out of your rewards, consider pairing a travel credit card with a cash back card that rewards you for everyday spending. You can even get a few rewards cards — just make sure that the benefits and rewards of each card outweigh its annual fee.
75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Earning rate
2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.
Earn unlimited 2% cash rewards on purchases
Rewards earned on $6,000 in groceries
12,000 points worth at least $120
$360
$120
Rewards earned on $3,000 in gas
6,000 points worth at least $60
$90
$60
Rewards earned on $11,000 in other spend
22,000 points worth at least $220
$110
$110
Annual fee
$95
$0 intro annual fee for the first year, then $95.
$0
First year value (rewards minus annual fee)
$1,055*
$715
$490
*To see rates & fees for Capital One Venture Rewards Credit Card, please click here.
*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.
In this scenario, the Capital One Venture Rewards Credit Card offers the most value during the first year of card membership. However, the comparison looks much different in the second year, when there isn’t a sign-up bonus:
In this case, the Blue Cash Preferred® Card from American Express is the clear winner in terms of ongoing value.
Remember: The value of points and miles can vary drastically depending on how you redeem them. For example, the Capital One Venture Rewards Credit Card lets you maximize your miles by transferring them to outside loyalty programs. If you are savvy about transferring Capital One miles, you can boost your mile value and beat the two cash back cards above.
How to maximize credit card rewards
Don’t transfer until you’ve verified that there is award space available. Once you’ve transferred points, you can’t transfer them back to your credit card’s rewards currency.
Take advantage of transfer bonuses to loyalty programs. Periodically, different airline and hotel partners offer transfer bonuses to get even more value for your points.
Use multiple cards to maximize category bonuses. You can increase the amount of cash back, points or miles that you earn by rotating cards with different bonus categories. On that note, using cards that earn the same rewards currency (e.g., Chase Ultimate Rewards®) can help you maximize your points or miles in that program.
Use shopping portals to earn additional rewards on online shopping. When you shop through your card’s shopping portal, you can earn additional rewards on top of the rewards from your credit card. Some programs offer additional incentives during holidays and other sale events, like back-to-school.
Register all your credit cards for shopping or dining rewards programs. Programs like Dosh, Bumped and Rewards Network provide extra rewards when shopping or eating at participating retailers and restaurants.
Get your spouse or partner involved as your “Player 2.” When your spouse gets involved, you can double up on rewards by getting the same cards or diversify your points by applying for cards that you’re not eligible for.
Use credit cards for your business or side hustle. Earn extra rewards by applying for a credit card in the name of your business. Examples of businesses that may qualify for a business credit card include rideshare driver, rental property owner or an Etsy shop owner. In most cases, the rewards earned from your business credit card can be combined with your linked personal rewards program accounts.
Bottom line: Are rewards credit cards worth it?
Rewards credit cards are worth it as long as you pay off your balance each month and take full advantage of the rewards program. They typically come with higher interest rates, so carrying a monthly balance could wipe out your earnings. Some of the best rewards cards also come with annual fees, so you’ll need to make sure the card’s benefits cover that cost as well.
Pros and cons of rewards credit cards
Earn points, miles or cash back on everyday purchases
Help offset the cost of future purchases or travel by redeeming rewards
Typically offer more robust purchase or travel protections than non-rewards cards
Can accumulate large sums of rewards from sign-up bonuses
May offer additional perks and benefits, such as status with a particular hotel group or airline
Potentially higher interest rates
Best rewards cards typically require good to excellent credit
Annual fees over multiple cards can add up
Some rewards programs have earning caps that limit the rewards you can earn in a given year, quarter or billing cycle
Alternative cards to consider
If you’re not quite ready for a rewards card, there are plenty of other credit cards out there that can help you consolidate debt, build credit or accomplish other financial goals. Here are a few categories to check out:
For most cards, rewards won’t expire as long as your account remains open and in good standing. However, some cards can withdraw your rewards if you don’t redeem them or use your card within a given time period. You should always read a card’s terms and conditions before applying.
The tiered-rate Capital One SavorOne Cash Rewards Credit Card offers an impressive 8% cash back on Capital One Entertainment purchases. It also features elevated earning rates on everyday categories, like dining, groceries and popular streaming services. If you’re looking for a flat-rate option, the Wells Fargo Active Cash® Card gives you 2% cash back on every purchase.
Using a rewards card responsibly can help you build credit, but rewards cards in themselves won’t help you build credit faster. In order to build credit, you should pay your balance in full and on time every month and maintain a low credit utilization ratio. If building credit is your main goal, you may want to consider one of the best credit cards to build credit instead.
The ability to combine rewards earned on two different credit cards depends on the type of rewards. If the rewards are of the same type (e.g. American Airlines AAdvantage miles), then combining them is likely possible. However, if the rewards are of different types, then they usually can’t be combined. Flexible points can be transferred to multiple loyalty programs and may be combined with rewards earned within those partner programs.
Typically, you’ll need good to excellent credit (a FICO score of 670+) to be approved for a rewards credit card. The better your credit, the more options you’ll have. That said, there are rewards cards designed for students, people with fair credit and even people with bad credit. Most of these cards offer clear guidelines for upgrading to cards with better terms and rewards once you’ve established a responsible credit history.
How we chose the best rewards credit cards
To select the best rewards credit card for each of these categories, our experts compared credit cards that offer rewards programs on LendingTree.com and on major issuer sites. This included cash back credit cards, 0% intro APR cards, balance transfer credit cards, secured cards, student cards and more.
We then chose our top picks based on a variety of factors, such as:
Type of rewards offered
Value of the card’s sign-up bonus
Rewards redemption options
Annual fee
Interest rates
Other factors that came into play when making our selection include the benefits offered by the card, such as purchase and extended warranty protections.
*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.
*To see rates & fees for Delta SkyMiles® Platinum American Express Card, please click here.
*To see rates & fees for The Platinum Card® from American Express, please click here.
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.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information related to the Capital One SavorOne Cash Rewards Credit Card, Wells Fargo Active Cash® Card, Discover it® Secured Credit Card, Discover it® Balance Transfer, Discover it® Student Cash Back, Hilton Honors Aspire Card from American Express, Delta SkyMiles® Platinum American Express Card, Chase Freedom Flex℠ and Discover it® Cash Back has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
Will Collicott
Expertise: Credit cards Education: Coastal Carolina University
Will Collicott is a staff writer at LendingTree, where he focuses on credit cards.
Before joining LendingTree in 2023, he worked as an implementation specialist at a real estate tech company, developing WordPress websites for brokerages and agents. Prior to that, he was an editor at The History Press, where he helped authors and historians bring their works to life.
Will earned a bachelor’s degree in English from Coastal Carolina University.