Best Rewards Credit Cards for March 2020

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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Whether you like the ease of cash-back cards or you want to earn points that are redeemable for free travel, there are plenty of rewards cards that fit the bill. In this guide, you'll learn how to choose the best rewards credit card for your lifestyle and all the tips you need to maximize your credit card rewards.

Ratings Methodology
High cash back
Discover it® Cash Back

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On Discover's Secure Website.

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On Discover's Secure Website.

Rewards

Earn 5% cash back in rotating quarterly categories you activate ($1,500 quarterly spending cap), 1% back on all else

Annual Fee

$0

Intro APR

Purchases: 0%, 14 months
Balance Transfers: 0%, 14 months

Ongoing APR

13.49% - 24.49% Variable

Bonuses & Perks

Double cash back in the first year -- that's worth up to 10% back, FICO score for free

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 on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when 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.
Big bonus
Chase Sapphire Preferred® Card

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On Chase's Secure Website.

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On Chase's Secure Website.

Rewards

2x points on travel and dining, 1x points on all other purchases. 25% more points for travel booked through Chase's portal.

Annual Fee

$95

Intro APR

Purchases: N/A
Balance Transfers: N/A

Ongoing APR

17.49% - 24.49% Variable

Bonuses & Perks

60,000 points after spending $4,000 within three months -- worth $750 of travel redeemed through Chase

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
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Blue Cash Preferred® Card from American Express

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On American Express' Secure Website.

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On American Express' Secure Website.

Rewards

6% cash back at U.S. supermarkets ($6,000 spending cap per year), 3% cash back at U.S. gas stations and on transit, 1% back on all else

Annual Fee

$95

Foreign Transaction Fee

2.7% of each transaction after conversion to US dollars.

Intro APR

Purchases: 0%, 12 months
Balance Transfers: 0%, 12 months

Ongoing APR

12.99%-23.99% Variable

Bonuses & Perks

$250 statement credit after spending $1,000 within three months, get free 2-day shipping on eligible items at a growing network of 100+ online stores with ShopRunner.

Highlights
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Low intro APR: 0% for 12 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 annual fee.
  • Terms Apply.
Wells Fargo Propel American Express® card

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On Well Fargo's Secure Website.

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On Well Fargo's Secure Website.

Rewards

3X points for eating out and ordering in, gas stations, rideshares, transit, flights, hotels, and more, 1x points on all else

Annual Fee

$0

Intro APR

Purchases: 0%, 12 months
Balance Transfers: 0%, 12 months on qualifying balance transfers

Ongoing APR

13.99%-25.99% (Variable)

Bonuses & Perks

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months, mobile phone protection

Highlights
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
Citi Rewards+℠ Card

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On Citi's Secure Website.

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On Citi's Secure Website.

Rewards

2x points for groceries and gas, 1 point on all else. Round up to the nearest 10 points on every purchase

Annual Fee

$0

Intro APR

Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months

Ongoing APR

13.49% - 23.49% (Variable)

Bonuses & Perks

15,000 bonus points after spending $1,000 within the first three 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 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Chase Freedom Unlimited®

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On Chase's Secure Website.

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On Chase's Secure Website.

Rewards

Unlimited 1.5% cash back, no minimum to redeem, rewards don't expire

Annual Fee

$0

Intro APR

Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months

Ongoing APR

16.49% - 25.24% Variable

Bonuses & Perks

$150 after spending $500 within three months, free credit score monitoring

Highlights
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 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
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
Chase Freedom®

Apply Now

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On Chase's Secure Website.

Apply Now

On Chase's Secure Website.

Rewards

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 1% on all else

Annual Fee

$0

Intro APR

Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months

Ongoing APR

16.49% - 25.24% Variable

Bonuses & Perks

$150 after spending $500 within three months, free credit score monitoring

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℠
Citi® Double Cash Card – 18 month BT offer

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On Citi's Secure Website.

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On Citi's Secure Website.

Rewards

2% cash back: 1% when you buy plus 1% as you pay

Annual Fee

$0

Intro APR

Purchases: N/A
Balance Transfers: 0%, 18 months

Ongoing APR

13.99% – 23.99% (Variable)

Bonuses & Perks

FICO score for free

Highlights
  • Earn cash back twice. 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Discover it® Miles

Apply Now

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On Discover's Secure Website.

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On Discover's Secure Website.

Rewards

Unlimited 1.5 Miles per $1

Annual Fee

$0

Intro APR

Purchases: 0%, 14 months
Balance Transfers: 10.99%, 14 months

Ongoing APR

13.49% - 24.49% Variable

Bonuses & Perks

Double Miles in the first year, FICO score for free

Highlights
  • UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
American Express Cash Magnet® Card

Apply Now

Apply Now

On American Express' Secure Website.

Apply Now

On American Express' Secure Website.

Rewards

Unlimited 1.5% cash back

Annual Fee

$0

Foreign Transaction Fee

2.7% of each transaction after conversion to US dollars.

Intro APR

Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months

Ongoing APR

12.99%-23.99% Variable

Bonuses & Perks

$150 statement credit after spending $1,000 within three months, get free 2-day shipping on eligible items at a growing network of 100+ online stores with ShopRunner

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 redeemed for statement credits.
  • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • 0% introductory plan fee on each purchase moved into a plan during the first 15 months from the date of account opening with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee. After that, your plan fee will be up to 1.17% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase.
  • Don’t wait for your Card in the mail. Start earning cash back before your Card even arrives, if eligible for Instant Card Number.
  • No Annual Fee.
  • Terms Apply.
Rewards

5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive

Annual Fee

$0

Intro APR

Purchases: 0%, 12 months
Balance Transfers: 0%, 18 months

Ongoing APR

14.40% - 24.40%, variable

Bonuses & Perks

$150 credit after spending $1,200 on purchases within the first 90 days

Highlights
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% – 24.40%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee or Foreign Transaction Fee
  • Select Your Rewards Your Way
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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.

What are credit card rewards?

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.

How do credit card rewards work?

Here's how the credit card rewards process works:

  1. You make a purchase with a rewards credit card.
  2. Your card earns rewards on the purchase that add to your account's rewards balance.
  3. You redeem your rewards for benefits. Note that many cards have a minimum rewards balance you must reach before you can make a redemption.

The benefits and the amount of rewards you earn per $1 spent will depend on the rewards credit card that you have. Rewards cards typically offer either cash back or points/miles you can use for travel purchases. With most of these cards, you can expect to earn at least 1% back in value on every purchase. There are also cards that earn much higher rates in some categories, which can give you the opportunity to earn more rewards.

Types of credit card rewards

There are three types of rewards credit cards: cash-back cards, travel rewards cards, and store credit cards.

Cash-back credit cards

A cash-back credit card works exactly as the name suggests, and this is the most popular type of rewards credit card because of its simplicity. On each purchase, a percentage of the transaction amount gets added to your cash-back balance. The percentage depends on the cash-back card you have and in some cases what you buy. For example, if you have a card that earns 1.5% back on everything and you make a $100 purchase, then you'd earn $1.50 in cash back.

The three types of cash-back credit cards:

  1. Unlimited, flat-rate cards -- These cards offer one cash-back rate that you earn on every $1 you spend. They're ideal for consumers who don't want to carry multiple cards or worry about bonus categories. With a flat-rate card, you can earn a reasonable amount of cash back on each purchase without making your payment choices more complicated.
  2. Bonus category cards -- These cards offer higher cash-back rates on specific types of purchases, such as 3% back at grocery stores, and a lower flat rate for all other spending. Many of these cards put a limit on how much bonus cash back you can earn. For example, a card may earn 4% back on dining, but only up to $10,000 in annual spending. If there are specific areas where you have high monthly spending, then bonus category cards could earn you much more cash back.
  3. Rotating bonus category cards -- These cards also offer bonus categories with higher cash-back rates, but the bonus categories change periodically, typically every quarter. They usually limit the amount of bonus cash back you can earn and require that you activate your bonus categories to earn the higher bonus rate. The biggest advantage with these cards is that they can earn some of the highest cash-back rates on their bonus categories, with some offering 5% back.

Travel rewards credit cards

Travel rewards credit cards earn rewards that you can redeem toward travel purchases. These rewards are referred to as either "points" or "miles," depending on the card. Most of these cards have bonus categories with higher rewards rates and a lower rate for all other spending, but there are also some unlimited, flat-rate travel cards. This type of card often includes perks to enhance the travel experience.

The way you can use travel rewards depends on the card you have. Here are the different redemption methods that cards can offer:

  1. Redeeming rewards as cash for travel purchases -- You book travel at its cash price and pay for it using your rewards. The standard value of travel rewards is $0.01 per point/mile, but this can vary from card to card. To book travel with rewards this way, you typically need to go through the card issuer's travel portal. However, some cards let you apply rewards as a statement credit to previous travel purchases.
  2. Booking award airfare or hotel stays with rewards -- You use your rewards to book travel through an airline or hotel's loyalty program. For example, an airline ticket may cost 20,000 miles, or a hotel stay could cost 10,000 points per night. This option is most common with cards that are tied to one airline or hotel's loyalty program.
  3. Transferring rewards to travel partners -- You transfer your rewards to your loyalty program account with any airline or hotel that's partnered with your credit card company. If your credit card lets you transfer rewards to United Airlines, Southwest, and Hyatt Hotels, then you could send points/miles to any of them. You can then use your transferred rewards to book airfare or hotel stays.

While redeeming your rewards as cash is the easiest method on this list, booking airfare or hotel stays with rewards sometimes gets you much more value. That's why cards with transferable points are highly valuable, if you don't mind a bit of a learning curve.

Travel cards may also offer other redemption options such as cash back. However, these cards will get you much less value for your rewards. If you're going to get a travel card, you should use your rewards only for travel.

Store credit cards

Store credit cards are tied to one specific retailer and earn rewards you can use with that retailer. They typically earn a large amount back at that retailer, with several store cards offering rates in the 2%-to-5% range. The most common way to redeem rewards from a store card is as a gift certificate or a spending credit that you use on purchases.

Some store cards can be used for payments only at the retailer that issues them, whereas others can be used anywhere credit cards are accepted. There are also stores that offer both card options and decide which one to issue based on your credit. If your credit is good enough, the store will issue you a card that can be used anywhere. If not, it may issue you a card you can use only at that store instead.

For the typical consumer, a cash-back or travel card will provide more value, because those offer more useful rewards. But most of those cards also require good to excellent credit. On the other hand, store credit cards are often available to applicants with lower credit scores. This can make store cards a good option for earning rewards while building credit.

How to pick a rewards credit card

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.

Which credit card has the best rewards program?

Although 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 Chase Freedom Unlimited®
High rewards on gas and groceries at U.S. supermarkets Blue Cash Preferred® Card from American Express
Quarterly bonus rewards Discover it® Cash Back
Premium travel benefits and rewards Chase Sapphire Reserve® or Chase Sapphire Preferred® Card

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, although 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 makes sense to pay an annual fee only 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 and maximizing rewards on all of your spending, whether it’s in the form of cash back or travel value.

FAQs

  • Whether a cash-back or a travel credit card is a better option depends entirely on the cardholder.

    If you prefer simple credit card rewards or you don't travel much, a cash-back card will be a better fit for your situation. Anyone can use cash back, and you can redeem it in a matter of minutes through your online account.

    If you like to travel, then travel cards have a variety of perks that can save you money and improve your experience any time you're away from home. With certain travel cards, it can take some time to learn how to best use the travel points you earn. But if you're willing to learn, you could redeem those points for high-value airfare or hotel stays.

  • Credit card rewards typically don't expire as long as the card remains active. If you or the card issuer close the account, then any remaining rewards will be automatically forfeited when the account is closed.

    To ensure your rewards don't expire, review the terms and conditions for your credit card and its rewards program. Expiration policies can vary, so it's best to double-check the policy on your specific card.

  • You should have a FICO Score of at least 670 to qualify for the best rewards cards. Good credit is a minimum for most rewards cards, and your chances of approval will go up the higher that your score is.

    There is a small selection of rewards cards intended for consumers with fair credit. Although you can qualify for these with a lower credit score, they don't have nearly as many benefits and their rewards rates are much lower. You may want to work on raising your credit score first, and then apply for a better rewards card afterwards.

The Ascent's picks for the 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:

Travel sign up bonus

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

Wells Fargo Propel American Express® card Graphic of Wells Fargo Propel American Express® card Best Reward:

Array of 3x points categories

Great For:

Dining and travel

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

Round up to the nearest 10 points

Great For:

One-card wallet

Chase Freedom Unlimited® Graphic of Chase Freedom Unlimited® 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

Citi® Double Cash Card – 18 month BT offer Graphic of Citi® Double Cash Card – 18 month BT offer Best Reward:

Up to 2% cash back

Great For:

0% intro APR for balance transfers

Discover it® Miles Graphic of Discover it® Miles Best Reward:

Double miles in the first year

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

ABOC Platinum Rewards Mastercard® Credit Card Graphic of ABOC Platinum Rewards Mastercard® Credit Card Best Reward:

Up to 5x points

Great For:

Fair/average credit

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