Reward Credit Cards

From groceries to gas, get paid for everyday purchases on your credit card. Rewards cards give you incentives - typically in cash, points or miles - based on how much you spend. You can redeem your rewards for cash, shopping or travel. Be sure to check out our best credit cards to view the variety of reward offers from our partners.

See offers from our partners below.

Premier Rewards Gold Card from American Express

Apply Now Credit Needed
Excellent/Good
  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 a calendar year for baggage fees at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
Introductory annual fee of $0 for the first year, then $195.
Credit Needed
Excellent/Good
See Rates & Fees

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Apply Now Credit Needed
Excellent/Good
  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • No Foreign Transaction Fees on purchases*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights*
  • Double AAdvantage® miles on eligible American Airlines purchases*
Apply Now at Citi's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 25.24%* (Variable)
Annual Fee
$95, waived for first 12 months*
Credit Needed
Excellent/Good

Wells Fargo Cash Wise Visa® Card

Apply Now Credit Needed
Excellent/Good
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.24%-26.24% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Apply Now at Wells Fargo's
secure site
Purchases Intro APR
0% for 12 months
Balance Transfers Intro APR
0% for 12 months
Regular APR
14.24%-26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good

The Platinum Card® from American Express

Apply Now Credit Needed
Excellent/Good
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Up to $200 for Uber rides annually. Credit and Uber VIP status available to Basic Card Member only.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$550
Credit Needed
Excellent/Good
See Rates & Fees

Chase Sapphire Reserve℠

Chase Sapphire Reserve℠

1,504 customer reviews

Apply Now Credit Needed
Excellent Credit
  • Earn 50K 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®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Plus, no foreign transaction fees
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Apply Now at Chase's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 24.24% Variable
Annual Fee
$450
Credit Needed
Excellent Credit

The Business Gold Rewards Card from American Express OPEN

Apply Now Credit Needed
Excellent Credit
  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$0 introductory annual fee for the first year, then $175
Credit Needed
Excellent Credit
See Rates & Fees

The Business Platinum® Card from American Express OPEN

Apply Now Credit Needed
Excellent Credit
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 6/2017
  • Terms Apply
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$450
Credit Needed
Excellent Credit
See Rates & Fees

Hilton Honors Ascend Card from American Express

Apply Now Credit Needed
Good, Excellent
  • Earn 75,000 Bonus Points after you spend $2,000 in purchases with your new Card within the first 3 months of Card Membership.
  • Plus, earn an additional 25,000 Bonus Points after you make an additional $1,000 in purchases with your new Card within your first 6 months.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.99%-25.99% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
See Rates & Fees

Blue Cash Preferred® Card from American Express

Apply Now Credit Needed
Excellent,Good
  • $200 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%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
0% on Purchases for 12 months
Balance Transfers Intro APR
0% on Balance Transfers for 12 months
Regular APR
14.24%-25.24% Variable
Annual Fee
$95
Credit Needed
Excellent,Good
See Rates & Fees

The Plum Card® from American Express OPEN

Apply Now Credit Needed
Excellent Credit
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$0 introductory annual fee your first year, then $250
Credit Needed
Excellent Credit
See Rates & Fees

Comparing Rewards Credit Card Offers

Updated: February 20, 2018

The experts at CreditCards.com have pulled together the best rewards credit cards for various spending categories. Each card has different rewards and fees, but we make it easy for you to decide on which is best for your spending habits. Choosing a rewards card is an important financial decision, so we lay out the pros and cons for you all in one place.

CreditCards.com's Best Rewards Credit Cards of 2018 Are:

What Our Experts are Saying

Johnny Jet, travel expert
Favorite rewards card: Barclaycard Arrival Plus World Elite Mastercard
“I like the Barclaycard Arrival Plus over the Chase Sapphire Reserve for two reasons: It has a much lower annual fee, and the Barclaycard Arrival Plus has chip-with-PIN capability, which makes it easier for travel internationally.”

Lisa Gerstner, contributing editor at Kiplinger’s Personal Finance
Favorite rewards card: Chase Sapphire Reserve
“In many cases, I’d shy away from giving the crown to a card with a $450 annual fee, but the Chase Sapphire Reserve comes with such an attractive set of perks that you don’t have to be a jet setter to glean plenty of value from the card.”

Holly Johnson, personal finance expert and publisher of Club Thrifty
Favorite rewards card: Chase Sapphire Reserve
“In my opinion, the Chase Sapphire Reserve offers the best bonus, the most generous perks, and a more well-rounded and flexible rewards program than any other card out there.”

Matt Schulz, senior industry analyst at CreditCards.com
Favorite rewards card: Barclaycard Arrival Plus World Elite Mastercard
“For the average American, the Barclaycard Arrival Plus World Elite Mastercard is tough to beat. It is flexible. It comes with a strong sign-up bonus and a lower minimum spend needed to get it.”

Daniel Ray, editor-in-chief at CreditCards.com
Favorite rewards card: Barclaycard Arrival Plus World Elite Mastercard
“The Barclaycard Arrival Plus World Elite Mastercard offers a relatively low-cost, low-risk way to play the rewards game to your advantage. If you are the sort who isn’t a jet setter, but takes maybe one, maybe two international trips per year, this card is an outstanding companion.”

Full Details on Rewards Credit Cards

If you want to get more value from your spending, a rewards card that offers points or miles could be just what you need to ramp up your earnings and cut your travel costs.

Rewards credit cards can offer big sign-up bonuses, travel perks and flexibility when redeeming rewards.

Before you pick a rewards card, though, think carefully about your spending habits and travel plans. Some rewards cards offer lavish benefits to frequent travelers, while others reward cardholders who are modest spenders who want significant rewards without a big commitment.

But there are some tricks to how to use these cards. Here, we look at:

  • What are credit card rewards?
  • Different types of rewards cards
  • How to get the most out of credit card rewards?
  • When is a rewards card most worth it?
  • How to redeem rewards
  • Who qualifies for/should get a rewards card?
  • Rewards rates for various spending categories
  • What to watch out for with rewards credit cards

What are credit card rewards?

Card rewards can come in points, miles or cash back. In each, you might be rewarded for using the card to make certain purchases or for all purchases. Airline and hotel cards reward you for making purchases with those brands. Once you earn the points or cash, you can redeem through travel purchases, statement credits, gift cards, shopping and more.

Different types of rewards cards

Rewards CategoryWhat to Consider
General Purpose TravelHow often you travel; lower rewards
Airline, HotelRewards brand loyalty; annual fee
Cash BackCan avoid annual fee; quarterly categories
BusinessRewards for business-related expenses
LuxuryHigher annual fees; luxury benefits
RetailHigher rewards for brand loyalty
GasMight accept fair credit; higher rewards for gas

How to get the most out of credit card rewards

  1. What kind of card is it? There are all manner of travel and cashback cards, including co-branded or general-purpose cards, as well as cards with quarterly categories or flat-rate rewards.
  2. Is it flexible enough for your needs? There’s no point in taking out a card if you’ll never use it. In other words, don’t take out a cashback card with quarterly categories if you don’t think you’ll have the discipline to sign up each quarter and maximize use of the card’s categories.
  3. Is there an annual fee? Will you earn more cash back or points than the cost of the annual fee? This is a deal breaker.
  4. Will you use it without overspending? Never carry a charge from month to month. If you aren’t sure, it might be best to choose a credit-builder card and put a small charge on it each month, paying in full before the due date.
  5. Is it your go-to card? See if you can pay your rent, insurance and utilities with it, but make sure there are no additional charges for the honor of using your card. Buy your groceries with it, and pull it out at restaurants.
  6. Can you avoid paying late? If not, these are wasted dollars and this bad habit can affect your credit.
  7. Are you paying on time? Paying late can mean not only late charges, it can put your account and credit in jeopardy.
  8. Do you want a card with a shopping portal? This is a great way to save some money. Check frequently for deals. You can also get gift cards on these sites, although make sure you are getting at least 1:1 for redemptions. In some cases, you can get more.

When is a rewards card most worth it?

A rewards card is worth it if you can stick to the following guidelines:

  1. Don’t carry a balance from month to month
  2. Counterbalance the annual fee with the rewards
  3. Maximize spending in rewards categories
  4. Plan to redeem rewards, whether points, miles or cash back

How to redeem rewards

  • A portal for travel purchases. With some cards such as the Chase Sapphire Preferred and Reserve, a travel portal can be used to make purchases using points, with additional rewards for using the portal.
  • A portal for redemption. With general-purpose travel cards, you can redeem your miles for all manner of travel through a portal that monitors your rewards and travel spending.
  • Redeeming for specific brands. With hotel- and airline-branded cards, you can redeem for those specific brands and sometimes their partners.
  • Online shopping. Redeem your points through a shopping portal for such items as clothing, health and beauty aids, gift cards, and more.
  • Get a check. A few card issuers will issue a check for your cash rewards.
  • Deposit into bank account. Bank of America actually rewards you for depositing cash back into your BofA account.
  • Statement credit. A favorite among cashback cards, you can earn your redemption through a credit that is placed on your card statement.

Who qualifies for/should get a rewards card?

  • What’s your credit score? Most rewards cards require good or excellent credit. With a FICO score, you need at least 670 points for good credit and 740 points for excellent credit. That said, there are exceptions, and it is possible to get cashback features with a starter card.
  • How do you spend? If you spend on a variety of items, then a general purpose card is probably best, but if you spend a particular way, such as at restaurants, a card that rewards categories could be ideal. If you are loyal to a specific brand, a retail, hotel or airline card might be a good choice.
  • Do you pay your bills on time? If you don’t, there’s no point in getting a rewards card, because when you pay late, you can incur fines, lose the account and even harm your credit.
  • Do you overextend? If you have a tendency to spend more than you have money for, then a rewards card may not be a good choice, because you run the risk of incurring interest charges, which would counterbalance the rewards you’ve earned.

Reward rates for various spending categories

CategoryCardRewards RateQuarter
DiningChase Sapphire Preferred®2X PointsAll year
TravelCapital One® VentureOne® Rewards Credit Card1.25 miles per dollar on all purchasesAll year
U.S. Gas StationsBank of America® Cash Rewards Credit Card3% on gas for the first $2,500 per quarterAll year
U.S. SupermarketsBlue Cash Everyday® Card from American Express
3% (up to $6,000)
All year
Select U.S. Department StoresBlue Cash Everyday® Card from American Express
2%All year
Amazon.comDiscover it® Cashback Match™5% + 5% at end of first yearOct.-Dec. 2018
Wholesale ClubsDiscover it® Cashback Match™5% + 5% at end of first yearJan.-Mar. & Oct.-Dec. 2018
Internet/Cable/PhoneChase Freedom®5%*Jan.-Mar. 2018

*Chase Freedom®: Earn 5% cash back on up to $1,500 in combined purchases bonus categories each quarter you activate

What to watch out for with rewards credit cards

  • Rewards' Value. Research the value of the points of cards you are looking at so you can compare them. Also, look at how the points are redeemed and what the categories are to make sure they suit your lifestyle.
  • Annual Fee. Many rewards cards carry an annual fee. While that isn't necessarily a drawback, you want to plan out the use of your new card to make sure you will benefit in the long run if it has an annual fee. Say your card has an annual fee of $89 and you get 2X points back on all purchases. That means you want to make sure you will spend at least $4,500 for the year on your card if the redemption is $0.01 for every point.
  • Carrying a balance. Carrying a balance can be a detriment with rewards cards. Here's why: Say you have a $3,000 balance on your card, but you can only pay the minimum. That means if the card's APR is 17%, it will take you 126 months and you will pay $2,241 in interest fees alone.
  • Late Payments. It can be tempting to use your rewards card with wild abandon because of the benefits of points earned. But never spend more than you can afford, and pay on time each month. Why? Because if you are late on your account, that is reported to the credit bureaus, and ultimately, it is reflected on your credit score. Also, you run the risk of losing the card.

Recap: Best Rewards Credit Cards of 2018

CardWelcome BonusBonus RequirementRewards Rate
Capital One® VentureOne® Rewards Credit Card20,000 MilesSpend $1,000 on purchases within 3 months from account openingUnlimited 1.25 miles per dollar on every purchase, every day
Chase Sapphire Preferred® Card50,000 Bonus PointsSpend $4,000 on purchases in the first 3 months from account opening2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases
Capital One® Venture® Rewards Credit Card50,000 MilesSpend $3,000 on purchases within 3 months from account openingUnlimited 2X miles per dollar on every purchase, every day
Chase Freedom Unlimited®$150 BonusSpend $500 on purchases in your first 3 months from account openingUnlimited 1.5% cash back on every purchase
Bank of America® Cash Rewards Credit Card$150 BonusSpend at least $500 on purchases in the first 90 days of account opening1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
Blue Cash Everyday® Card from American Express$150 BonusSpend $1,00 on purchases within 3 months from account opening3% cashback at U.S. supermarkets (up to $6,000), 2% cash back at U.S. gas stations and select department stores, 1% cash back on all other purchases
Capital One® Quicksilver® Cash Rewards Credit Card$150Spend at least $500 on purchases in the first 3 months of account openingEarn 1.5% cash back on every purchase
Discover it® Cashback Match™Discover will match all the cash back earned at the end of your first year, automaticallyAutomaticEarn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
Premier Rewards Gold Card from American Express25,000 Bonus PointsSpend $2,000 on purchases within 3 months from account opening3X points for flights booked directly with airlines. 2X points at U.S. restaurants, gas stations, and supermarkets. 1X points on all other purchases.
Chase Freedom ®$150 BonusSpend $500 on purchases in your first 3 months from account openingEarn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate

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* For additional rates, fees and costs see issuer's website for detailed pricing and terms.