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Best Rewards Credit Cards for March 2024

Review Updated
Matt Koppenheffer
Lyle Daly
By: Matt Koppenheffer and Lyle Daly

Our Credit Cards Experts

Nathan Alderman
Check IconFact Checked Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

If you're reading this, you're likely deep in research (and maybe have multiple tabs open) wondering how to choose the best rewards credit card. Below, we'll highlight which we think are the standouts.

But it's important to note before we start: The cards below aren't simply those that pay us to say they're great cards. These are rewards cards we use personally or are cards we regularly recommend to our friends and family.

Simplify your search for the best rewards cards

Here's a quick overview of standout cards before you dive into our expert picks.

Great for: Overall best rewards card

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 15 months from account opening

Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

2% cash rewards

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards

  • A standout cash back card that has no annual fee and comes with a competitive cash rewards welcome offer and 0% intro APR offer. Read Full Review

    • Unlimited 2% cash rewards
    • Long 0% intro APR offer
    • Generous cash rewards welcome bonus
    • No annual fee
    • Cellphone protections
    • Card perks
    • Free FICO® Score updates
    • No bonus categories
    • Foreign transaction fees
    • Balance transfer fee
    • 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 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% 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.
Award Icon 2024 Award Winner

Great for: Bonus-category cash back

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

17.24% - 28.24% Variable APR

Rewards Circle with letter I in it. 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.

1% - 5% Cashback

Annual Fee

$0

Welcome Offer Circle with letter I in it. Discover will match all the cash back you’ve earned at the end of your first year.

Discover will match all the cash back you’ve earned at the end of your first year.

  • Includes a robust rewards program and rich sign-up bonus offer that has unlimited upside. Somehow this card also packs in a great intro APR offer for no annual fee. Read Full Review

    • Rotating bonus categories
    • Sign-up bonus offer
    • Great intro APR offer
    • No annual fee
    • No foreign transaction fee
    • No fixed 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! 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.
    • 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 a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
    • No annual fee.
    • Terms and conditions apply.
Award Icon 2024 Award Winner

Great for: U.S. gas and supermarkets

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

Regular APR

19.24%-29.99% Variable

Rewards Circle with letter I in it. 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. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

1%-6% Cash Back

Annual Fee

$0 intro annual fee for the first year, then $95.

Welcome Offer Circle with letter I in it. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

$250

  • The U.S. supermarkets and U.S. gas stations rewards are clear standouts, in addition to a big welcome offer and a nice 0% intro APR offer. Read Full Review

    • Big welcome offer
    • U.S. supermarkets rewards
    • U.S. gas stations rewards
    • Streaming subscription rewards
    • Travel and purchase protections
    • Annual fee
    • Foreign transaction fee
    • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
    • $0 intro annual fee for the first year, then $95.
    • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
    • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
    • 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.
    • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    • 1% Cash Back on other purchases.
    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
    • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
    • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
    • Terms Apply.
Award Icon 2024 Award Winner
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 29.99% (Variable)

Rewards Circle with letter I in it. Earn unlimited 2X miles on every purchase, every day. 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.

2X-5X miles

Annual Fee

$95

Welcome Offer Circle with letter I in it. 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening

75,000 Miles

  • Unlimited 2X miles, TSA Pre✓® credits, and a big sign-up bonus make this credit card one of the best travel companions. Read Full Review

    • Excellent sign-up bonus
    • Unlimited miles on purchases
    • Travel credit
    • Multiple ways to use miles
    • No foreign transaction fee
    • Annual fee
    • No 0% intro APR offer
    • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
    • Earn unlimited 2X miles on every purchase, every day
    • 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
    • Miles won't expire for the life of the account and there's no limit to how many you can earn
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®
    • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
    • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
    • Transfer your miles to your choice of 15+ travel loyalty programs
Award Icon 2024 Award Winner

Great for: Unlimited points in certain categories

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR on purchases for 12 months from account opening

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: N/A

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Rewards Circle with letter I in it. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

1X-3X points

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 bonus points

  • This card immediately moves to the top of our rankings for no annual fee rewards cards thanks to its excellent welcome bonus, earn unlimited 3x points on a variety of categories, and cellphone protection. Read Full Review

    • Strong welcome bonus for a no annual fee card
    • Earn Unlimited 3x points on useful categories
    • Cellphone protection
    • Other cards offer larger bonuses, though they usually come with annual fees
    • The 1x points baseline rewards rate on other purchases, though normal for this type of card, can be beat
    • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
    • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
    • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
    • $0 annual fee.
    • 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
    • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
    • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
    • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Best rewards card overall

Wells Fargo Active Cash® Card

Jump back to card

Why we picked it: This card is great if you strive for simplicity with your finances. You don't need to worry about activating bonus categories, or what purchases qualify for those categories. You earn 2% cash rewards for any type of purchase you put on this card.

What to watch out for: Wells Fargo has a below average customer satisfaction rating (based on J.D. Power survey).

Apply for the Wells Fargo Active Cash® Card on Wells Fargo's website.

Best rewards credit card for travel

Bank of America® Travel Rewards credit card

Jump back to card

Why we picked it: It's one of the few credit cards in the travel category with no annual fee, and you can boost its rewards rate if you're in the Bank of America Preferred Rewards program.

What to watch out for: Rewards rate is average without rewards boost. It doesn't offer many travel benefits, which limits the value for frequent travelers.

Apply for Bank of America® Travel Rewards credit card on Bank of America's website.

Best cashback credit card for bonus categories

Discover it® Cash Back

Jump back to card

Why we picked it: I got this card last year, and what I love is that it can benefit just about anyone. With its rewards rate, it works well in a one-card wallet where you always pay with the same credit card. But if you have other rewards cards, like I do, it slots in seamlessly. Just find out where it's earning 5% each quarter, activate, and use it in those bonus categories.

What to watch out for: This rewards credit card is not as widely accepted internationally as Visa or Mastercard.

Apply for Discover it® Cash Back on the Discover website.

Also good cashback credit card: Citi Custom Cash® Card

Jump to card

Why we picked it: If you go out to a few concerts one month, you can earn 5% back on your tickets. Have some projects around the house over the summer? You can earn 5% back on supplies at home improvement stores. It's a card that makes it easy to maximize your rewards and get 5% cash back in whichever eligible category you spend the most

What to watch out for: Only one bonus category per billing cycle -- other purchases earn standard 1% cash back rate.

Apply for Citi Custom Cash® Card on the Citi website.

Best flat rate rewards credit card

Capital One Venture Rewards Credit Card

Jump back to card

Why we picked it: Personally, I love having a travel card that I can rely on to get 2 miles per $1 everywhere. (See rates and fees.) Capital One Venture cards have great reward redemption options. I regularly save thousands on business-class airfare by transferring my Venture miles.

What to watch out for: Capital One doesn't have as many travel partners as some other card issuers.

Apply for Capital One Venture Rewards Credit Card on Capital One's website.

More of our best credit cards for points:

Though these cards didn’t make our quick picks above, they are still excellent rewards cards in our view. Depending on your personal situation, these could easily be a better fit for you than the cards above.

Here’s a look at some of our other favorites so you can compare credit card points or rewards:

Chase Freedom Flex℠
Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Award Icon 2024 Award Winner

Great for: Bonus cash back

Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

20.49%-29.24% Variable

Rewards Circle with letter I in it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

5% cash back offer

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

  • Checks all the boxes for a cash back credit card, with high cash back rates across several categories, a 0% intro APR, and a big sign-up bonus. Read Full Review

    • Big sign-up bonus
    • Lucrative cash back program
    • Long 0% intro APR
    • No annual fee
    • Purchase and travel protections
    • Foreign transaction fee
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 5% cash back on travel purchased through Chase Ultimate Rewards®, 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 unlimited 1% 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!
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom FlexSM card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. Balance transfers include a fee of 3% for 60 days from account opening, then 4%.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

18.24% - 28.24% (Variable)

Rewards

1.5 points per dollar

Annual Fee

$0

Welcome Offer Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases

25,000 bonus points

  • No annual fee travel cards typically skimp on the sign-up bonus, but this card delivers with its intro bonus offer, unlimited rewards on purchases, and a generous 0% intro offer on purchases and balance transfers. Read Full Review

    • Big sign-up bonus
    • No annual fee
    • Competitive rewards rate on purchases
    • Great 0% intro APR offer on purchases and balance transfers
    • Limited ways to use points
    • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
    • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
    • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
    • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
    • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
    • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
    • 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.
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Excellent (740-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 29.99% (Variable)

Rewards Circle with letter I in it. Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

2X-10X miles

Annual Fee

$395

Welcome Offer Circle with letter I in it. 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening

75,000 Miles

  • This is a strong premium level travel card with a big sign-up bonus, robust rewards program, and rich travel credits. Read Full Review

    • Big travel rewards bonus
    • High rewards rate
    • Travel credits
    • Easy-to-use miles
    • Annual fee
    • Small selection of travel partners
    • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
    • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
    • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
    • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
    • Earn unlimited 2X miles on all other purchases
    • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
    • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
    • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®

Great for: Cash back rewards

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5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Fair to Excellent (580-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Fair to Excellent (580-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.24% - 29.24% (Variable)

Rewards Circle with letter I in it. 5% cash back in your top eligible spend category each billing cycle (up to the first $500 spent), 1% cash back on other purchases

1% - 5% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn $200 in cash back after you spend $1500 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.

20,000 ThankYou® Points

  • A leading cash-back card that includes a big sign-up bonus, great rewards program, and long 0% intro APR offers, all with no annual fee. Read Full Review

    • Cash back rewards
    • Sign-up bonus
    • No annual fee
    • 0% intro APR offer
    • Bonus cash back limits
    • Foreign transaction fee
    • 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 19.24% - 29.24%, 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.
    • 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.

Great for: Travel sign-up bonus

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4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.49%-28.49% Variable

Rewards Circle with letter I in it. Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.

5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases

Annual Fee Circle with letter I in it. N/A

$95

Welcome Offer Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

60,000 bonus points

  • With a big sign-up bonus, the sky's the limit for this top-rated travel rewards card. Plus, the premium points program for travel and dining offers even more value for travel enthusiasts everywhere. Read Full Review

    • Big sign-up bonus
    • Travel rewards
    • Dining rewards
    • Flexible travel points
    • Consumer and travel protections
    • Annual fee
    • Limited-time perks
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
    • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. 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, 2024.
    • Member FDIC

Great for: Unlimited cash back

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Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
= Good
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= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases and Balance Transfers for 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

20.49% - 29.24% Variable

Rewards Circle with letter I in it. 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

1.5% - 5% cash back

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. 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.

Up to $300 cash back

  • This card includes a lineup of features that makes it a great option for one-card-wallet simplicity. The unlimited cash back makes it easy to earn rewards. The sign-up bonus and long 0% intro APR offer are the cherries on top. Read Full Review

    • Innovative sign-up bonus
    • Purchase and travel protections
    • Robust rewards program
    • Great intro APR
    • No annual fee
    • Foreign transaction fee
    • 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 20.49% - 29.24%.
    • 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.
    • Member FDIC
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Great for: Dining and U.S. supermarkets

Apply Now for American Express® Gold Card

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

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Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for American Express® Gold Card

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: n/a

Balance Transfers: n/a

Regular APR

See Pay Over Time APR

Rewards Circle with letter I in it. Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

1X-4X Membership Rewards® Points

Annual Fee

$250

Welcome Offer Circle with letter I in it. Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

60,000 Membership Rewards® Points

  • The welcome offer, plus lucrative rewards at restaurants, U.S. supermarkets, and on travel more than justify the annual fee for consumers who spend heavily in these areas. Read Full Review

    • Impressive welcome offer
    • Restaurant rewards
    • U.S. supermarket rewards
    • Travel and dining credits
    • High-value rewards points
    • Annual fee
    • Inflexible spending credits
    • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
    • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
    • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
    • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
    • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
    • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
    • Choose the color that suits your style. Gold or Rose Gold.
    • No Foreign Transaction Fees.
    • Annual Fee is $250.
    • Terms Apply.

Great for: One-card wallet

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4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Fair to Excellent (580-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Fair to Excellent (580-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: 0%, 18 months

Regular APR

19.24% - 29.24% (Variable)

Rewards Circle with letter I in it. 2% cash back: 1% when you buy plus 1% as you pay

Up to 2% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. 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.

20,000 ThankYou® Points

  • With a high, unlimited cash back rate, a lengthy 0% intro APR on balance transfers, and no annual fee, this card is a winner. Read Full Review

    • High cash back
    • 0% intro APR balance transfer offer
    • No annual fee
    • Free credit score monitoring
    • Foreign transaction fee
    • No 0% intro APR on purchases
    • No sign-up bonus
    • 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.
    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
      Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
    • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
    • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
    • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

How to choose the rewards credit card that's best for you

There’s one simple thing to consider that will help you make the best choice: How much effort will you put into your credit card?

Rewards credit cards can be a very simple way to earn rewards and cash back for your spending. Or they can be a fun game of maximizing points and optimizing the use of perks.

Here’s a breakdown of the choices to make based on whether you want to keep it simple or get more involved.

Keep it simple Optimize
Rewards credit card type Cash back Points / Travel Rewards
Points program Flat-rate Tiered
Annual fee No Maybe (value dependent)
Perks Less focus Carefully consider perks that give you value

You don’t have to choose everything from one column. But the more you just want to sit back while your credit card earns rewards, the more you should choose from the “keep it simple” column. And the more you want to earn the most rewards and get the biggest benefits from card perks, the more the “optimize” column may be right for you.

TIP

How can I maximize my credit card rewards?

Use your rewards card for every eligible purchase: If you don't, you leave money on the table. Always pay by card so you earn rewards on your spending.

Stick to your budget: A common mistake is making unnecessary purchases, using rewards to justify it. Don't let credit card rewards convince you to overspend.

Pay off your credit card every month: Credit card interest almost always costs more than any rewards you earn. Avoid this by always paying your entire statement balance.

Should I get a rewards credit card?

You should get a rewards credit card if you have a good credit score and will pay the bill in full every month.

Rewards cards are usually a great choice. You're going to pay for purchases anyway. Why not use a rewards card to get something back on that money you're spending? There are only a couple of situations where the best points credit card isn't the right fit:

  • You don't have a good credit score: Learn how to increase your credit score and work on that first. It usually takes a FICO® Score of at least 670 to get any of the best rewards credit cards. By improving your credit, you can qualify for rewards cards that offer much more value.
  • You won't pay in full every month: Every month you carry a balance, the card issuer can charge you credit card interest. The cost of interest almost always outweighs your rewards.

Here are the pros and cons of having a rewards credit card:

Pros

  • Earn rewards on purchases
  • Many offer welcome bonuses
  • Typically include complimentary shopping and travel protections
  • Can build your credit when you consistently pay your bill in full

Cons

  • Often have high APRs
  • Can encourage you to spend more money
  • May charge an annual fee
  • Top rewards cards are only available to consumers with good credit

Alternatives to the best credit cards for rewards

Your financial situation may call for a different type of credit card. Here are a few common situations where a rewards credit card isn't the right choice, along with what type of card to pick instead.

  • If you won't be able to pay in full, get a credit card with a 0% intro APR on purchases. The credit card company won't charge you interest during your card's introductory period. On a card with a 15-month 0% intro APR, that means no interest charges for the first 15 months.
  • If you're working on your credit score, find a card aimed at people in your score range. First, learn about how to find out your credit score. Every credit score falls into a range, like "fair credit" or "bad credit." Once you know your score, you can pick a card you're likely to qualify for.
  • If you're dealing with credit card debt, go with a balance transfer credit card. These cards have a 0% intro APR on balance transfers (balances you move over from other credit cards). Although a balance transfer fee applies, you can still save quite a bit on interest this way. If you're unfamiliar with this type of offer, our complete guide to balance transfers explains everything you need to know.
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Overall best rewards card

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Flat-rate rewards

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Unlimited points in certain categories

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Bonus cash back

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Travel rewards

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Premium travel rewards

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Cash back rewards

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Travel sign-up bonus

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Unlimited cash back

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4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Dining and U.S. supermarkets

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

One-card wallet

  • I’ve juggled many travel and cash back credit cards over the past decades and have always brought an investor’s rigor to my card choices. I've got the spreadsheets as evidence! Above all, I have a passion for helping others find great credit cards that will improve their financial lives.

  • Here’s a quick look at what our ratings mean.

    • 5 Stars: This is a top notch card that offers a combination of rewards rates, sign-up bonus, and perks that deliver lots of value for cardholders. If these cards have an annual fee, the value offered is typically much greater than the fee.
    • 4 Stars: These are solid credit cards. They don’t offer quite as much value as five-star cards and annual fees may eat into more of the value than we’d like. But these are still generally good cards to hold and specific features may make them great choices for certain users.
    • 3 Stars: This is typically the lowest rating you might see for a card on our site. This means that a card doesn’t offer much value to users compared to other rewards cards. There’s likely not a sign-up bonus and perks are probably very mediocre. There still could be a specific feature or element of the card that might make them worthwhile to certain users.

    We basically never have one- or two-star credit card ratings. It’s not because we’re trying to be kind to the credit card companies. It’s because when a bank launches a credit card, it knows what’s on the market and what a card will need to be competitive. So it’s extremely rare to see a credit card launched that is just plain terrible.

    In other words, the worst credit cards we typically see are those we’d call “mediocre” rather than “bad’.

    Creating rewards card ratings

    When actually creating our star ratings for rewards cards, our aim is to focus on elements that will really matter to typical users. This means that our ratings will reflect how well these cards work out for many people, but not all. This makes those star ratings a good element to include in your research, but you still need to consider whether a particular card offer is a good fit for you.

    Here’s a look at the specific elements we weigh when calculating our ratings.

    Rewards earning potential

    This is the most critical element of a rewards card, so we put a lot of focus here. To compare rewards cards that have varying rewards systems, we first consider whether the card provides flat-rate rewards or has a tiered system.

    For flat-rate rewards programs, we give our highest marks to cards with 2% cash back or the equivalent in points value. In tiered-rewards programs -- in which you earn different rates for varying spending categories -- our highest marks go to cards with 5 points or more on a key category like groceries, travel, or gas.

    Sign-up bonus

    Some rewards cards offer a welcome bonus to new cardholders. These chunks of cash back or points can amount to quite a bit and can drastically raise the value you can get from the credit card.

    Many cards with no annual fee offer sign-up bonuses with values in the $100 to $200 range. This is fairly average. Our top scores go to cards with sign-up bonuses that top $1,000. But be aware, you'll almost surely need to pay an annual fee for a bonus in that range.

    Annual fee

    Many consumers assume that no annual fee is always better. There are definitely big advantages to not paying an annual fee. However, cards with annual fees sometimes have rewards rates, sign-up bonuses or perks that make the fee well worth it.

    In our ratings, we give top marks to cards with no annual fee. And although premium credit cards with annual fees exceeding $500 can be a great choice for some cardholders, these cards get our lowest marks here.

    Perks

    Placing a numerical rating on a credit card's perks is challenging. For one, the value of these features can be hard to calculate. And unlike cash back and points, the value of the perks can vary a lot from one cardholder to the next.

    So instead of trying to calculate specific values here, we put cards and their perks into buckets. Rewards cards with a wide variety of perks that are valuable to a broad number of cardholders get our top marks. Card offers with a nice selection of perks, but that are more focused -- imagine a travel credit card with free checked baggage and lounge access -- get somewhat lower scores. And those cards with a minimum number of perks score at the bottom.

    A few things we don’t add directly to our calculations

    Here are a few things that don’t go directly in to our ratings calculation:

    • Regular APR: We strongly believe that borrowing on credit cards at the standard APR is not a good idea. This doesn’t apply at all times and for all people. But credit cards tend to have high standard APRs that don’t make them good for borrowing. Therefore we don’t include regular APR as a factor in our rating.
    • Introductory APR offers: Some rewards cards also have introductory APR offers, such as a period of 0% interest on new purchases or a period of 0% on balance transfers. This can be a great benefit. However, if you’re in need of a 0% period on purchases or a balance transfer, we suggest focusing on getting a 0% card that matches your needs, paying down your credit card debt, and then focusing on credit card rewards. That said, we do factor this into how we rate a card's overall perks.

FAQs

  • A rewards credit card earns purchase rewards in the form of cash back, points, or miles. Every eligible purchase adds to your rewards balance, and you can then redeem your rewards with the credit card issuer.

  • To compare rewards credit cards, look at their rewards rates, bonus offers, annual fees, and any additional benefits they offer. These are the features that have the most impact on the value a card offers.

    You may also want to decide on one type of rewards card first, such as a travel card or a cash back card. If you know you want a specific type of card, then you can save time by only looking at cards in that category.

  • The best rewards credit card has a redemption method that offers the most value. This can vary depending on which rewards credit card you have. For example, travel cards usually provide the most value when redeeming rewards for travel, whereas cash back cards are designed for cash back redemptions.

    When you have a rewards credit card, make sure you review the different redemption methods so you can choose the best one.

  • To make the most of a rewards credit card, use it for every purchase to earn as much back as you can. However, don't make unnecessary purchases just because your card earns rewards. Follow your usual spending habits. Last but not least, always pay the full statement balance on your credit card to avoid interest charges.

  • A credit card with reward points earns cash back, points, miles, or some other type of reward for purchases. The amount you earn depends on the card and, in some cases, the spending category. For example, there are cards that offer a flat rate of 2% on purchases. Others offer higher rates in some categories, such as 3% on groceries.

    Every eligible purchase adds to your reward balance. So, if you spend $100 on a card offering 2% cash back, you'd earn $2 in rewards. You can redeem rewards when you have enough to meet the redemption minimum, if there is one. Fortunately, many of the best rewards credit cards don't have a minimum, so you can redeem rewards anytime.

Ask the experts

Michael Shipman, CPA

Michael Shipman, CPA

Assistant Professor for Accounting, Mount Aloysius College

With high gas prices, should consumers consider using credit cards that provide rewards to pay for gas?

One should never get a credit card for a "non-credit reason." In the tax world, we have the saying, "The tax tail should never wag the economic dog." This means that a company should not do something solely for tax reasons, but rather, should have a good business reason for a course of action. The same can be said of credit cards. This said, if you are opening a new line of credit during a time of high gas prices (whether it be because you need a credit card or an additional credit card, or have to close one for a good reason and are now looking for another), getting and using a credit card that provides rewards to pay for gas could be better than the other usual reward opportunities!

What should consumers know when deciding between a general cash back credit card vs. a gas company credit card?

Consumers should know the details of each reward opportunity. For example, I would want to know what I can and cannot get cash back on, how often I can get cash back, at what rate I get cash back, if there is a limit on how much cash I can get back, and if there are any other restrictions on the card. This line of reasoning applies to gas company credit cards as well: Is it just the one company I can get my gas bill reduced at? How often can I use it? At what rate is my gas reduced? Is there a limit on how much my gas bill is reduced, and are there any other restrictions on the card? Lastly, remember, even though the gas company credit card sounds like a good idea now, it can only help with gas, as opposed to the general cash back credit card likely providing cash back for use at your discretion.

Are there any benefits or drawbacks to companies that advertise money back per gallon?

The obvious benefit is that you can reduce your gas bill. As far as I can tell, that is where the benefits end. One drawback is that you may get a gas company credit card for a company that routinely has more expensive gas than one of its competitors in your area. A similar drawback is that by getting this credit card, you are likely influencing yourself to buy most, if not all, of your gas from one company, which may or may not always be the best economic decision. This is similar to loyalty cards for gas chains (Sheetz, Wawa, etc.), with the difference that loyalty cards do not really have consequences. Credit cards do have consequences, and it is important to read the fine print on gas company credit card offers like any others, as you may find the gas company card has a lower interest rate (benefit), but you may also find (and this sounds more likely, in my opinion) a higher interest rate. Whatever you decide, always remember to monitor your credit card bills carefully, and if possible, pay off your balance every month!

Joseph Stasio

Joseph Stasio

Associate Professor, Marketing, Merrimack College

With high gas prices, should consumers consider using credit cards that provide rewards to pay for gas?

It is important to understand that prices fluctuate given market conditions. Right now, gas prices along with many other consumer products are experiencing abnormally high prices. This is due to a number of factors including unusually high demand, labor shortages, and supply chain irregularities, all causing inflation. Decisions involving credit card usage tied to gas purchases should involve this understanding. So, using credit cards that reward gas purchases will be advantageous in the short run, but not so much when gas prices return to a more normal range. Of course, if consumers have different credit cards to use, then they can provide the best return on purchases after gas prices come down and they offer a better return on their buying behavior.

What should consumers know when deciding between a general cash back credit card vs. a gas company credit card?

The answer to this question is provided in question one. The key is to understand market conditions and their impact on prices. Generally speaking, consumers should have a few credit cards. For example, not all businesses accept either Discover Cards or Amex Cards. Depending on the amount of expenditures people experience each month and whether they carry a balance or pay off the total amount each month, consumers can decide which cards to use that will provide them the best return on their purchases. It is important for consumers to understand their own purchase behavior and judiciously use their credit cards. Gas company credit card decisions should be made in this context.

Are there any benefits or drawbacks to companies that advertise money back per gallon?

Companies that advertise money back per gallon are really speaking to heavy users of gasoline. They would include people who drive long distances to work each day or people who use their cars to conduct business that involves much travel. Salespeople, truck drivers, etc., fall into this category. If companies do not target their messages to these groups of people, then they are wasting their marketing/advertising dollars. With social media platforms and the use of digital marketing techniques, companies should learn how best to reach these people and get the most from their marketing dollars. Any other approach is generally not advisable because people who are not heavy users of gasoline will most probably not be interested in these advertisements.

Our Credit Cards Experts