Best Rewards Credit Cards

Matt is a Certified Financial Planner® and investment advisor based in Columbia, South Carolina. He writes personal finance and investment advice, and in 2017 he received the SABEW Best in Business Award.

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We've vetted hundreds of card offers and analyzed thousands of data points to bring you a shortlist of our top rewards cards.

Ratings Methodology
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On Discover's Secure Website.

Our Bottom Line

A clear cash-back leader with a laundry list of perks that reads like a novel. You’ll be hard pressed to find a competing card with a matching feature set and no annual fee.

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What we Like:
  • Bonus cash back
  • No annual fee
  • 0% intro APR offer
  • FICO® Score for free
Key Scores:
5.0 5 Perks
4.0 5 Fees
5.0 5 APR
Perks 5.0/5
Fees 4.0/5
APR 5.0/5
  • Annual Fee: $0
  • Regular APR: 13.49% - 24.49% Variable
  • Intro APR: Purchases: 0%, 14 months Balance Transfers: 0%, 14 months
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
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Rates & Fees
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On Chase's Secure Website.

Our Bottom Line

One of the most popular travel cards for many reasons. This offer is practically a must-have for travelers seeking a big sign-up bonus and one of the best points programs available on the market.

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What we Like:
  • 60,000 points sign-up bonus
  • 2 points per $1 for travel & dining
  • Flexible points transfer program
Key Scores:
4.5 5 Perks
5.0 5 Fees
1.5 5 APR
Perks 4.5/5
Fees 5.0/5
APR 1.5/5
  • Annual Fee: $95
  • Regular APR: 17.49% - 24.49% Variable
  • Intro APR: Purchases: N/A Balance Transfers: N/A
Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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
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On Capital One's Secure Website.

Our Bottom Line

Strikes a nice balance of high rewards and a big sign-up bonus with low fees. With a base travel rewards rate of 2 miles per $1 and TSA Pre✓® credits, this is a no-fuss travel rewards card that's hard to ignore

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What we Like:
  • 50,000 miles sign-up bonus
  • 2 miles per $1
  • No foreign transaction fees
Key Scores:
4.0 5 Perks
5.0 5 Fees
2.5 5 APR
Perks 4.0/5
Fees 5.0/5
APR 2.5/5
  • Annual Fee: $0 intro for first year; $95 after that
  • Regular APR: 17.49% - 24.74% Variable
  • Intro APR: Purchases: N/A Balance Transfers: N/A
Highlights
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day.
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Named ‘The Best Travel Card' by CNBC, 2018
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
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On Bank of America's Secure Website.

Our Bottom Line

The bonus leads the pack in the no-annual fee category, plus you earn premium cash back in a category of your choice and now have access to a long intro APR offer.

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What we Like:
  • Big bonus offer
  • 3% back on gas or a category of your choice
  • No annual fee
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.5 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.5/5
  • Annual Fee: $0
  • Regular APR: 15.49% - 25.49% Variable
  • Intro APR: Purchases: 0%, 15 billing cycles Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Highlights
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
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On Capital One's Secure Website.

Our Bottom Line

A solid contender with a rich sign-up bonus and among best-in-class cash back for restaurants and entertainment.

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What we Like:
  • 4% cash back for dining
  • Big sign-up bonus
Key Scores:
4.0 5 Perks
4.0 5 Fees
3.0 5 APR
Perks 4.0/5
Fees 4.0/5
APR 3.0/5
  • Annual Fee: $0 intro for first year; $95 after that
  • Regular APR: 16.24% - 25.24% Variable
  • Intro APR: Purchases: N/A Balance Transfers: N/A
Highlights
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
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On American Express' Secure Website.

Our Bottom Line

The highest cash back gas and U.S. supermarkets card we've come across. The small annual fee is justifiable for many, especially given the other perks like a big welcome bonus and a competitive 0% intro APR offer.

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What we Like:
  • $250 welcome bonus
  • 0% intro APR offer
  • Earn up to 6% cash back
Key Scores:
5.0 5 Perks
1.5 5 Fees
4.0 5 APR
Perks 5.0/5
Fees 1.5/5
APR 4.0/5
  • Annual Fee: $95
  • Regular APR: 14.49%-25.49% Variable
  • Intro APR: Purchases: 0%, 12 months Balance Transfers: 0%, 12 months
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Highlights
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms Apply.
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Rates & Fees
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On Citi's Secure Website.

Our Bottom Line

Cardholders can secure premium rewards with the innovative program that rounds up every point earned. Plus, there's a well-rounded suite of perks, including no annual fee and a long 0% intro APR offer.

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What we Like:
  • Innovative rewards program
  • Long 0% intro APR offer
Key Scores:
4.5 5 Perks
4.0 5 Fees
3.5 5 APR
Perks 4.5/5
Fees 4.0/5
APR 3.5/5
  • Annual Fee: $0
  • Regular APR: 14.99% - 24.99% (Variable)
  • Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months
Highlights
  • The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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On Capital One's Secure Website.

Our Bottom Line

This may be the most versatile and flexible cash-back card on the market. The long 0% intro APR makes the offer hard to pass up, especially if you're wanting to keep a one-card wallet that packs in a rich rewards program.

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What we Like:
  • $150 sign-up bonus
  • Unlimited 1.5% cash back
  • No foreign transaction fees
  • 0% intro APR
Key Scores:
4.0 5 Perks
5.0 5 Fees
4.0 5 APR
Perks 4.0/5
Fees 5.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 15.74% - 25.74% Variable
  • Intro APR: Purchases: 0%, for 15 months Balance Transfers: 0%, for 15 months
Highlights
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • 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 for 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
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On Chase's Secure Website.

Our Bottom Line

Packed with a deep bench of perks that is rare in the cash-back category, including an easy-to-pocket bonus, long 0% intro APR offers, and bonus cash back. It's a leading pick no doubt.

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What we Like:
  • Cash sign-up bonus
  • Earn up to 5% cash back
  • 0% intro APR offer for 15 months
  • No annual fee
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.0 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 16.49% - 25.24% Variable
  • Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months
Highlights
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
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Apply Now
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On Bank of America's Secure Website.

Our Bottom Line

No-annual-fee travel cards typically skimp on the sign-up bonus, but this card delivers with its market-leading intro bonus offer, unlimited rewards on spending, and other wallet-friendly perks.

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What we Like:
  • Unlimited 1.5 points per $1
  • Big intro bonus offer
  • No foreign transaction fees
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.0 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 16.49% - 24.49% Variable
  • Intro APR: Purchases: 0%, 12 billing cycles Balance Transfers: N/A
Highlights
  • 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
  • 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 flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 16.49% - 24.49% Variable APR will apply
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
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Apply Now
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On American Express' Secure Website.

Our Bottom Line

Brings one-card wallet versatility with a big welcome bonus, long 0% intro APR offer, and unlimited cash back

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What we Like:
  • Unlimited 1.5% cash back
  • 0% intro APR offer
  • Welcome bonus
Key Scores:
3.5 5 Perks
5.0 5 Fees
4.0 5 APR
Perks 3.5/5
Fees 5.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 14.49%-25.49% Variable
  • Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Highlights
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • 0% introductory plan fee for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • No Annual Fee.
  • Terms Apply.
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Rates & Fees
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Get our latest tips and uncover more of our top picks to help you conquer your money goals

With each passing year, it seems as though credit card rewards only get better. Competition has never been higher in the credit card industry, and this has led to increasingly generous rewards programs and introductory offers. The best credit card rewards programs now offer extremely lucrative sign-up bonuses for new cardholders, plus high rewards yields on every dollar charged to the card. The most rewarding card on our list offers as much as $750 in travel value in the form of a new cardholder bonus, and a rewards yield as high as 4.5% in travel value for spending on restaurants and travel purchases, which showcases the value offered by the top rewards cards.

Factors to consider when choosing a reward credit card

Selecting from hundreds of rewards cards on the market wasn’t easy, but having so many to choose from allowed us to be picky about which cards should make the list.

Here are the attributes we think are important for any rewards card to have:

  • Simple rewards programs -- Complexity often works in the favor of the card issuer rather than the cardholder. We value programs that have clear rules for earning and redeeming rewards that don’t make you jump through hoops.
  • High reward yields -- It should go without saying that a high rewards yield per $1 of spending is one of the most important criteria for making the best cards list. We like cards that offer a high reward rate on categories that make up a majority of a cardholder’s monthly budget.
  • Low minimum redemptions -- Rewards aren’t worth anything until they can be redeemed. We prefer cards that have a no- or low-minimum redemption threshold. We think cards that have redemption minimums of $25 or less are best since cardholders will be able to redeem their rewards frequently.
  • Annual fees that make sense -- Not all of the cards on this list carry annual fees, but we wanted to make sure that when they do, it’s because they offer something more (higher rewards yields or other perks) that can help make up for the cost.
  • Sign-up bonus potential -- Many of the top cards offer a sign-up bonus valued from $150 up to $750. While they aren’t necessary to make the cut, we like offers that give cardholders an opportunity to get a jumpstart to earning rewards with new cardholder bonuses.

What are credit card rewards?

Credit card rewards are benefits you receive for the purchases you charge to a credit card. These programs date back all the way to the 1980s, when card companies started offering cash back and airline miles for making purchases on credit. Later, other companies rolled out credit cards that earned free long-distance minutes, or cash towards the purchase of an automobile.

Cardholders can expect to earn at least 1% in cash back or travel value on every purchase, and the best cards can offer rewards that rise as high as 5% on certain types of spending. Travel cards also boast features like free checked bags on flights, extended checkouts at hotels, and other perks that would have been unthinkable when the programs first began. It's also important to note that credit card rewards are typically only paid on purchases. Cash advances and balance transfers are generally not rewards-eligible purchases.

What are the different types of credit card rewards?

Credit card rewards generally come in two types: Some cards offer cash back, while others offer travel rewards that can be redeemed for flights, hotels, rental cars, and other travel-related purchases.

Cash-back credit cards

These rewards programs are simple to use, which is why they remain the most popular type of rewards cards today. When you swipe your card to make a purchase, you earn rewards based on how much you spend, and what you buy. Cash-back credit cards offer a certain percentage of cash back, typically paying an amount ranging from 1% to 2% of your spending. Some cards also offer bonuses for spending in certain categories, like gas or grocery purchases, where each $1 of spend can earn up to 5% back.

Cash back cards come in two different types:

  1. Unlimited, flat cash back on all spending -- These cards usually offer rewards equal to 1% to 2% on every $1 you spend. Since all types of spending earn at the same rate, you won’t have to bother thinking about which card to use for certain purchases to get the most value. These cards are great for people who simply want to earn a reasonable rewards rate on all types of spending, and don’t want to bother carrying several cards in their wallets.
  2. Category bonus cards -- These cards offer large bonuses for spending in certain categories -- say, 5% or even 6% cash back instead of the typical 1%-2% cash back rate. Most programs use a rotating bonus category program, wherein certain types of spending (department stores, home improvement stores, gas purchases, restaurants, etc.) earn at higher rates for three months out of the year. The downside with these cards is that the base rewards rate is usually pretty low (1% or less). If you spend heavily in a certain category, though, these cards can offer a lot of bonus value.

Travel credit cards

These cards are becoming more popular for cardholders who have good or excellent credit scores. Travel credit cards typically earn one to two “miles” or “points” for every $1 of spending, with each point or mile commonly redeemable for $0.01 of travel value. Some travel cards also offer category bonuses for spending on travel or swiping your card to pay a bar tab or restaurant bill. Some allow cardholders to redeem their miles or points for other types of rewards, but give preferential redeption rates for travel. The best credit cards rewards are often found on travel cards, but because many carry annual fees, and rewards are meant for travel redemptions only, they aren’t necessarily the best cards for everyone.

Like cash back cards, travel cards also come in two different types:

  1. Travel portal rewards cards -- Some travel cards earn premium rates when redeemed through a card issuers travel portal. These same cards also tend to offer an extra perk in that the points you earn can be transferred to travel partners, making them more valuable for people who want to redeem points through hotel and airline loyalty programs.
  2. Statement credit rewards cards -- These rewards cards are excellent for people who like to shop around for travel deals and want flexibility in how they book travel purchases. Many people prefer statement credit rewards cards because the rewards can be redeemed any time you can make a travel purchase, and aren’t subject to limitations like blackout dates.

People who are good at bargain shopping for travel deals may come out ahead with statement credit rewards cards. That’s because the rewards you earn can be redeemed for statement credits against a travel purchase made through an online travel agency (Priceline or Expedia, for example), as well as purchases made directly with a hotel or airline. If you’re the type of person who uses discounts and coupon codes and search high and low for a bargain, statement credit travel cards may offer more value to you.

Which credit card has the best rewards program?

Though it may sound like a cop out, there isn’t any one card that offers a rewards program that is obviously better for all people than any other credit card. We’d encourage you to compare credit card rewards based on the types of spending that make up the majority of your budget, since category bonus cards may be a better option for people who spend heavily in one particular corner of their monthly budget.

If you want… Then you might consider…
Unlimited rewards on all spending Capital One® Quicksilver® Card or Chase Freedom Unlimited®
High rewards on gas and groceries at U.S. supermarkets Blue Cash Preferred® from American Express
Quarterly bonus rewards Discover it® Cash Back
Premium travel benefits and rewards Chase Sapphire Reserve® or Chase Sapphire Preferred®

Important rules for rewards cards

Before applying for a rewards card, there are three ground rules you should know:

  • Don’t redeem travel rewards for cash -- one of the most important decisions to make is whether you want cash back or travel rewards. Travel rewards, though lucrative, usually convert into a lesser amount of cash than travel. Unless you know you will have travel expenses, a cash back card is usually a better choice.
  • It doesn’t make sense to carry balances -- while spending more means earning more rewards, it doesn’t make sense to spend more money, or carry balances, in order to earn more in rewards. Just one or two months of carrying a balance can result in interest charges that vastly exceed the rewards you earn on your card. If you have credit card debt, a balance transfer card would be a smarter choice than a rewards card.
  • Be smart about annual fees -- We think it only makes sense to pay an annual fee when it pays for itself. With so many no-annual-fee credit cards offering rewards yields of 1.5% in cash or travel, we think it’s smart to use this as the baseline to compare to an annual fee card.

If you follow the advice above, you’ll be well on your way to earning high rewards on all of your spending, whether it’s in the form of cash back or travel value.

How to accumulate credit card rewards faster

There are plenty of ways to collect extra points, miles, and cash back without spending any extra money. Follow these simple credit card tricks, and you could be adding a zero or two to your points balance in no time.

1. Couple up your credit cards

Maybe your credit card offers extra points on travel spending, and the issuer has another card that offers extra points on groceries and gas. Consider getting a second card and switching them up depending on what you’re purchasing in order to maximize rewards.

2. Transfer unused points

If you’ve got a few thousand points sitting around in a rewards account you no longer use, you might be able to transfer those points to the rewards account you’re currently using. Check your rewards program’s point transfer policies and partnerships.

3. Put home improvements on the card

Planning on renovating the kitchen or adding a spare bedroom? Put those expenses on your rewards credit card, as long as you aren’t charged a fee to do so.

4. Add an authorized user

This one requires a judgment call on your part. Adding someone as an authorized user makes you responsible for any debt they accumulate and fail to repay. It also means that any mistakes you make, such as a late payment, will show up on their credit report, affecting their credit score. However, if you’re sure you can trust each other, many credit card offers give you extra bonus points -- usually around 5,000 -- for adding an authorized user who makes a purchase in the first few months. Plus, if that authorized user adds additional expenses to your card, the points they accumulate are added to your account.

5. Pay your mortgage or rent with a credit card

Services like RadPad and Plastiq let you pay your rent with a credit card. Your landlord doesn’t even have to sign up; these websites send a rent check to your landlord on your behalf. Unless you find a promotion, it will cost you a 2%-3% transaction fee. This means you’re paying $0.02 to $0.03 per $1, so you need to be getting back more than 2%-3% in rewards to profit. If you’re trying to hit a minimum spend requirement to get the sign-up bonus on a credit card offer, the 2%-3% fee is almost always worth it.

6. Pay tuition with a credit card

If you’re covering tuition for your kid or yourself, you might as well get a reward for all the money you’re spending. Most colleges now allow you to pay tuition with a credit card, although many charge a fee. If you’re lucky and the college you pay doesn’t charge a fee for credit card transactions, charge away. Just make sure you have the funds to pay off your credit card immediately.

7. Pay your taxes with a credit card

As of 2018, the fee for paying any taxes you owe the federal government is 1.87% to 2%. That means this option is only worth it if you’re getting more than 2% back, which can be in the form of high value points or a good cash-back credit card. If you’re trying to meet a minimum spend requirement for a sign-up bonus, this option has lower fees than paying your rent online.

8. Buy gift cards

Buying gift cards for places you know you’ll shop at is an effective way to hit a minimum spend requirement. This can also be a good way to get extra cash back. For example, if your credit card offers 5% cash back on groceries, buying restaurant or department stores gift cards at your local grocery store may let you get 5% cash back on purchases that aren’t part of your bonus category.

To recap, here are the best rewards credit cards

Here Are The Ascent's Picks for Best Rewards Credit Cards:
Card Best Reward Great For…
Discover it® Cash Back Graphic of Discover it® Cash Back Best Reward:

Double cash back in the first year

Great For:

Bonus cash with no annual fee

Chase Sapphire Preferred® Card Graphic of Chase Sapphire Preferred® Card Best Reward:

$750 sign-up bonus for travel

Great For:

Sign-up bonus and airline miles

Capital One® Venture® Rewards Credit Card Graphic of Capital One® Venture® Rewards Credit Card Best Reward:

Two miles per $1

Great For:

Flat-rate travel rewards

Bank of America® Cash Rewards credit card Graphic of Bank of America® Cash Rewards credit card Best Reward:

$200 intro bonus

Great For:

Cash rewards program

Capital One® Savor® Cash Rewards Credit Card Graphic of Capital One® Savor® Cash Rewards Credit Card Best Reward:

4% cash back on dining

Great For:
Blue Cash Preferred® Card from American Express Graphic of Blue Cash Preferred® Card from American Express Best Reward:

6% at U.S. supermarkets

Great For:

Gas and U.S. supermarkets

Citi Rewards+℠ Card Graphic of Citi Rewards+℠ Card Best Reward:

Round up to the nearest 10 points

Great For:

One-card wallet

Capital One® Quicksilver® Cash Rewards Credit Card Graphic of Capital One® Quicksilver® Cash Rewards Credit Card Best Reward:

$150 bonus

Great For:

Flexible cash-back rewards

Chase Freedom® Graphic of Chase Freedom® Best Reward:

Up to 5% cash back

Great For:

Cash back and 0% intro APR

Bank of America® Travel Rewards Visa® credit card Graphic of Bank of America® Travel Rewards Visa® credit card Best Reward:

25,000 bonus points

Great For:

Travel card with no annual fee

American Express Cash Magnet® Card Graphic of American Express Cash Magnet® Card Best Reward:

$150 bonus

Great For:

Welcome bonus and flat-rate rewards

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