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.

Charity Charge World MasterCard® Credit Card

Apply Now Credit Needed
Good/Excellent
  • Donate your cash back to any nonprofit or religious organization of your choice.
  • Earn an unlimited 1% cash back that's automatically donated on your behalf through your everyday purchases.
  • No Annual Fee.
  • An easy way to make a difference (at no cost to you).
  • 100% Tax-Deductible.
  • Low APR between Prime + 6.99%-16.99% dependent on creditworthiness. Balance transfer fee of either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
  • Receive all the benefits of a World MasterCard such as: extended warranty, MasterCard global service, concierge services, ID theft protection, price guarantee, and many more exclusive services.
  • Chip and Apple Pay enabled.
Apply Now at Charity Charge's
secure site
Purchases Intro APR
1.99% for 6 monthly billing cycles
Balance Transfers Intro APR
1.99% for 6 monthly billing cycles
Regular APR
11.24%-21.24% (Variable)
Annual Fee
$0
Credit Needed
Good/Excellent

Mastercard® Black Card™

Apply Now Credit Needed
Excellent Credit
  • Stainless Steel - Patented Card Design
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)
Apply Now at Luxury Card's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% introductory APR for the first fifteen billing cycles on balance transfers made in the first 45 days
Regular APR
16.24% Variable
Annual Fee
$495
Credit Needed
Excellent Credit

Susan G. Komen® Cash Rewards Visa® credit card from Bank of America

Apply Now Credit Needed
Excellent/Good
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen® has received more than $8 million from Bank of America from this program since 2009.
  • Earn 1% 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.
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.24% - 24.24% Variable APR. 3% fee (min $10) applies to balance transfers.
Apply Now at Bank of America's
secure site
Purchases Intro APR
0% Introductory APR on purchases for 12 billing cycles
Balance Transfers Intro APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
14.24% - 24.24% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent/Good

Citi® Double Cash Card

Apply Now Credit Needed
Excellent/Good
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Apply Now at Citi's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 18 months*
Regular APR
14.74% - 24.74%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent/Good

Bank of America® Premium Rewards® Credit Card

Apply Now Credit Needed
Excellent/Good
  • Receive 50,000 bonus points- a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards client, you can get a 25%-75% rewards bonus on every purchase.
  • No limit to the points you can earn and your points don't expire
  • Flexibility to redeem for a statement credit, deposit into eligible Bank of America® or Merrill Lynch® accounts like checking, savings, and 529, for gift cards or use at the Bank of America Travel Center.
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
Apply Now at Bank of America's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 24.24% Variable APR on purchases and balance transfers
Annual Fee
$95
Credit Needed
Excellent/Good

Discover it® Miles

Discover it® Miles

322 customer reviews

Apply Now Credit Needed
Excellent/Good
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • 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.
  • Receive Free Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
10.99% for 14 months
Regular APR
13.24% - 24.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

U.S. Bank Altitude™ Reserve Visa Infinite® Card

Apply Now Credit Needed
Excellent Credit
  • Exclusive to U.S. Bank customers
  • New Cardmember Bonus: 50,000 bonus points worth $750 on travel when you spend $4,500 in eligible net purchases within the first 90 days of account opening
  • Up to $325 annual statement credits for eligible net travel purchases
  • Earn 3X points for every $1 on eligible net travel purchases & mobile wallet spending
  • Complimentary Gogo® Inflight Wi-Fi - get 12 passes per year
  • Airport Lounge Access to 1,000+ Priority PassTM lounges worldwide
  • See Rates & Fees
Apply Now at U.S. Bank's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.99% (Variable)
Annual Fee
$400
Credit Needed
Excellent Credit
See Rates & Fees

MLB™ Cash Rewards Mastercard® from Bank of America

Apply Now Credit Needed
Excellent/Good
  • $150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • All 30 team cards are available, customized with your favorite team's colors and logo
  • Earn 1% 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
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.24% - 24.24% variable APR. 3% fee (min $10) applies to balance transfers
Apply Now at Bank of America's
secure site
Purchases Intro APR
0% Introductory APR on purchases for 12 billing cycles
Balance Transfers Intro APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days.
Regular APR
14.24% - 24.24% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent/Good

Business Green Rewards Card from American Express OPEN

Apply Now Credit Needed
Excellent Credit
  • Earn 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • $0 introductory annual fee for the first year, then $95
  • Terms & 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 $95
Credit Needed
Excellent Credit
See Rates & Fees

NHL® Discover it® Card

Apply Now Credit Needed
Excellent/Good
  • Choose your favorite team & show your pride – all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Earn 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.
  • Plus, 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive Free Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
0% for 14 months
Regular APR
13.24% - 24.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
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.