7 Top Rewards Credit Cards - Massive Bonuses and Earn Up to 6% Cash Back

Managing Director of The Ascent. Brendan has conducted interviews with influential businesspeople, written hundreds of personal finance articles, and provided analysis on TV outlets including CNBC and Fox.

We've vetted hundreds of card offers and crunched the data on more than 6,000 data points to compile this shortlist of top rewards credit cards. Check out our picks, some of which are from our partners. With the top rewards credit cards you get:

  • Instant and secure online applications
  • 0% intro APR offers to help you avoid paying interest well into 2020
  • Your pick of travel or cash back rewards
Apply Now
Secure lock icon.

On Discover's Secure Website.

What we Like:
  • Bonus cash back
  • No annual fee
  • 0% intro APR offer
  • FICO® Score for free
  • 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.
Show More Arrow graphic to expand and collapse content
Rates & Fees

Apply for Discover it® Cash Back to:

  • Pay $0 for interest on purchases and balance transfers for 14 months
  • Earn up to 5% cash back
  • Double all the cash back you earn in the first year
  • Pay a $0 annual fee

Imagine paying no interest until nearly 2021 and getting your cash back matched after the first year! Both are possible with Discover it® Cash Back. First, you can earn 5% cash back (on up to $1,500 of spend each quarter) in rotating categories you activate quarterly. Such purchases have included gas, groceries, restaurants, and even Amazon. Best yet, Discover will match all cash back earned in the first year -- that's a haul worth up to a massive $600 when maxing out bonus categories in the first year. Don't forget that all other purchases earn 1%, which doubles to 2% with Discover's first-year match. What's more, the 0% intro APR for 14 months applies to both purchases and balance transfers. Note, the go-to variable rate applies after the promo so be sure to pay off balances before the offer expires. The cash rewards program and 0% APR offer, alone, are among best-in-class offers but you get both in one card.


Apply Now
Secure lock icon.

On Chase's Secure Website.

What we Like:
  • 60,000 points sign-up bonus
  • 2 points per $1 for travel & dining
  • Flexible points transfer program
  • Annual Fee: $95
  • Regular APR: 17.74% - 24.74% Variable
  • Intro APR: Purchases: N/A, N/A Balance Transfers: N/A, 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
Show More Arrow graphic to expand and collapse content

Apply for Chase Sapphire Preferred® to:

  • Earn 60,000 points sign-up bonus
  • Receive 2x points on travel and dining
  • Get more value when booking travel

This is a practical must-have travel card, based on its leading sign up bonus, unlimited points for travel and dining, deep bench of points transfer partners, and long list of travel perks that'd cost you more than a thousand dollars paying out of pocket. Firstly, cardholders earn 60,000 bonus points after spending $4,000 on purchases in the first three months. That's a bonus worth $750 for travel redeemed through Chase’s travel portal. Not only do travel and dining earn at 2x points (1x points on all else) but also rewards earning potential is unlimited. Many credit cards throttle down the rewards after hitting quarterly spending caps. You'll also always receive 25% more points when redeeming points through Chase's Ultimate Rewards portal, which includes a long list of well-known airline and hotel partners. Add in a robust lineup of travel insurances and protections (lost luggage, trip delay, and more!) and you can see why this card is top-of-wallet for everyone from the occasional traveler to frequent travelers jumping back and forth across the U.S. and going abroad.


Apply Now
Secure lock icon.

On Chase's Secure Website.

What we Like:
  • Innovative sign up bonus
  • Unlimited 1.5% cash back
  • 0% intro APR offer for 15 months
  • Annual Fee: $0
  • Regular APR: 16.74% - 25.49% 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 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 16.74-25.49%.
  • 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
Show More Arrow graphic to expand and collapse content

Apply for Chase Freedom Unlimited® to:

  • Avoid paying credit card interest for 15 months on both purchase and balance transfers
  • Secure a signing bonus worth $150
  • Pay a $0 annual fee

Chase Freedom Unlimited® is the Swiss Army knife of credit cards with its deep bench of perks that makes the card a perfect option for cardholders wanting the best card for all their needs. Max out the bonus Chase offers by spending $500 in the first three months from account opening and earning $150 in cash back. Other essentials are included as well, such as unlimited 1.5% cash back with no minimum redemption, a 0% Intro APR for both purchases and balance transfers for 15 months, and a $0 annual fee. Few offers on the market can tout this combination of perks, making Chase Freedom Unlimited® a potential no brainer pick for you.


Apply Now
Secure lock icon.

On Capital One's Secure Website.

  • 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
Show More Arrow graphic to expand and collapse content

Apply for Capital One® Savor® Cash Rewards Credit Card to:

  • Secure a whopping $300 bonus when spending $3,000 within three months
  • Earn unlimited 4% cash back on dining and entertainment
  • Earn unlimited 2% cash back on groceries
  • Pay $0 foreign transaction fees

Get ready to haul in an overloaded plate of cash rewards, not tapas-like rewards that many competing cards offer for dining purchases. This card is a slam dunk for cardholders seeking both a big bonus and unlimited dining rewards. That's because there's a market-topping $300 bonus, made sweeter by the fact that you can earn unlimited 4% cash back on dining and entertainment. Not only is this cash back rate among the highest we've seen, but it also isn't capped like some competing cards, much like the 2% cash back you'll also earn for groceries. Those features make it a no-brainer pick for cardholders with sizable food budgets, whereas the inclusion of $0 foreign transaction fees makes the offer versatile for travel as well. What's more, you can look forward to a $0 annual fee in the first year ($95 thereafter).


Apply Now
Secure lock icon.

On Capital One's Secure Website.

What we Like:
  • 50,000 miles sign-up bonus
  • 10 miles per $1 at Hotels.com
  • 2 miles per $1
  • No foreign transaction fees
  • 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. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • 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
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Show More Arrow graphic to expand and collapse content

Apply for Capital One® Venture® Rewards Credit Card to:

  • Secure a 50,000 miles bonus
  • Get 10x bonus miles for Hotels.com purchases
  • Earn unlimited 2x miles on all purchases
  • Receive a $100 credit for Global Entry or TSA Pre✓®
  • Pay $0 foreign transaction fees

Few travel cards can go toe-to-toe with this offer's lineup, including the sign-up bonus, unlimited miles, and best-in-class hotel rewards program. The marquee features are the 50,000 miles sign-up bonus (worth $500) once you spend $3,000 within three months and the rewards program where you earn unlimited 2x on all purchases. What's different about Capital One® Venture® Rewards Credit Card is you have the flexibility to book travel through your preferred portal vs. redeeming miles through a card issuers portal where booking options may be limited and may not be the cheapest available. Capital One has also upped the ante on competitors with the highest earn rate we've come across for hotels -- Hotels.com purchases earn at a market-leading rate of 10x miles. Plus, you can breeze through airport security when receiving up to $100 credit for Global Entry or TSA Pre✓®. All of these perks are available for a $0 annual fee in the first year ($95 thereafter).


Apply Now
Secure lock icon.

On Capital One's Secure Website.

What we Like:
  • $150 sign-up bonus
  • Unlimited 1.5% cash back
  • No foreign transaction fees
  • 0% intro APR
  • 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
Show More Arrow graphic to expand and collapse content

Apply for Capital One® Quicksilver® Cash Rewards Credit Card to:

  • Earn unlimited 1.5% cash back with
  • Haul in a $150 cash bonus when spending just $500 within three months
  • Pay a $0 annual fee and pay $0 foreign transaction fees
  • Pay 0% interest for 15 months on purchases and balance transfers

This card's deep bench of perks makes it an easy pick for a one-card wallet, even better that they're all included in a $0 annual fee card. Let's briefly cover the flagship features. Importantly, you'll get a big $150 bonus when spending just $500 within three months, plus unlimited 1.5% cash back. The cash-back feature that sets this card apart is that you can redeem cash back with no minimum hurdle, whereas many other top-tier cards require a minimum before earned cash back can be redeemed. The card also includes a long 0% intro APR for 15 months on both purchases and balance transfers, making it a solid pick to defray the cost of a big purchase or to get out of debt faster. These features alone make it a clear cash back winner, but what tips the scales is that it also includes $0 foreign transaction fees when swiping abroad. We've not come across a competing card that packs in so many wallet friendly features in a single card.


Apply Now
Secure lock icon.

On American Express' Secure Website.

What we Like:
  • $250 welcome bonus
  • 0% intro APR offer
  • Earn up to 6% cash back
  • Annual Fee: $95
  • Regular APR: 14.49%-25.49% Variable
  • Intro APR: Purchases: 0%, 12 months Balance Transfers: 0%, 12 months
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.
Show More Arrow graphic to expand and collapse content
Rates & Fees

Apply for Blue Cash Preferred® Card from American Express to:

  • Secure a $250 welcome bonus after spending just $1,000 within three months
  • Earn the highest U.S. supermarket cash back rate we've come across
  • Earn 3% cash back at U.S. gas stations
  • Earn 6% cash back on select U.S. streaming subscriptions
  • Earn 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses, and more.
  • Pay 0% interest on purchases and balance transfers for 12 months

This card is a clear winner for families with big grocery and gas budgets. Simply put, we've not come across a higher cash back rate for U.S. supermarket purchases. You'll earn 6% cash back at U.S. supermarkets (on up to $6,000 our year) and 3% cash back at U.S. gas stations. You will also earn 6% cash back on select U.S. streaming subscriptions and 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more. All other purchases earn at a 1% rate. Max out the U.S. supermarket cap, and you'll haul in $360 cash back. This sum is easily attainable, especially since many families tap the bank for much more in annual U.S. supermarket spending. But don't think that Blue Cash Preferred® Card from American Express is just for gas and U.S. supermarkets. There's a whopping $250 welcome bonus and a long 0% intro APR for 12 months for both purchases and balance transfers. All of these perks can justify paying the $95 annual fee this card charges.