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.

Citi® / AAdvantage® Executive World Elite™ Mastercard®

Apply Now Credit Needed
Excellent Credit
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening*
  • Admirals Club® membership for you and guests with you*
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year*
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
  • First checked bag is free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation*
Apply Now at Citi's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.99% - 24.99%* (Variable)
Annual Fee
$450
Credit Needed
Excellent Credit

Mastercard® Titanium Card™

Apply Now Credit Needed
Excellent Credit
  • Brushed Stainless Steel - Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $195 ($95 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
$195
Credit Needed
Excellent Credit

Mastercard® Gold Card™

Apply Now Credit Needed
Excellent Credit
  • 24K-Gold Plated – Patented Card Design
  • 2% Value for Airfare Redemptions
  • 2% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $200 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $995 ($295 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
$995
Credit Needed
Excellent Credit

SimplyCash® Plus Business Credit Card from American Express

Apply Now Credit Needed
Excellent Credit
  • Special Offer: Earn up to $500 cash back
  • Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
0% on Purchases for 9 months
Balance Transfers Intro APR
N/A
Regular APR
13.49% - 20.49% Variable
Annual Fee
$0
Credit Needed
Excellent Credit
See Rates & Fees

IHG® Rewards Club Select Credit Card

Apply Now Credit Needed
Excellent Credit
  • Earn 60,000 bonus points after spending $1,000 on purchases within the first three months of account opening
  • Enjoy a Free Night after each account anniversary year at over 5,000 hotels worldwide
  • Earn 5 points per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Platinum Elite status as long as you're a Select credit cardmember
  • Automatic 10% points rebate on redemptions
  • $0 Introductory Annual Fee for the first year, then $49 a year
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
$0 Intro for the First Year, then $49
Credit Needed
Excellent Credit

Barclaycard Arrival Plus® World Elite Mastercard®

Apply Now Credit Needed
Excellent
  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 21.24% or 24.24%, based on your creditworthiness.
  • There is a fee for balance transfers.
Apply Now at Barclaycard's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 12 months (on balance transfers made within 45 days of account opening)
Regular APR
17.24%, 21.24% or 24.24% Variable
Annual Fee
$89 - Waived first year
Credit Needed
Excellent

U.S. Bank Cash+™ Visa Signature® Card

Apply Now Credit Needed
Excellent Credit
  • New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
  • 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.
  • 2% cash back on your choice of one everyday category, like gas or groceries.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.24% - 24.24%
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
Apply Now at U.S. Bank's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0%* intro on BTs for 12 months
Regular APR
15.24% - 24.24%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent Credit
See Rates & Fees

Citi ThankYou® Preferred Card

Apply Now Credit Needed
Excellent Credit
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer*
  • After that, the variable APR will be 14.74% - 24.74% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com.
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Apply Now at Citi's
secure site
Purchases Intro APR
0%* for 15 months on Purchases
Balance Transfers Intro APR
0%* for 15 months on Balance Transfers
Regular APR
14.74% - 24.74%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent Credit

The Hyatt Credit Card

Apply Now Credit Needed
Excellent Credit
  • Earn 40,000 Bonus Points after you spend $2,000 on purchases with the Hyatt Credit Card in the first 3 months after account opening.
  • Get 5,000 Bonus Points after you add an authorized user to your account and make a purchase with your card during the first 3 months as a cardmember.
  • Plus, receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
  • Get Bonus Points on every purchase. Free nights start at just 5,000 points.
  • 3 Bonus Points for every $1 spent at Hyatt hotels and resorts.
  • 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines and at car rental agencies, Plus 1 Bonus Point per $1 spent on purchases elsewhere.
  • Keep all the points you earn - your points do not expire as long as your Hyatt Credit Card account is open.
  • As a Hyatt Cardmember, you'll enjoy Discoverist status in World of Hyatt for as long as your Hyatt Credit Card account is open.
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
$75
Credit Needed
Excellent Credit

Bank of America® Travel Rewards Credit Card

Bank of America® Travel Rewards Credit Card

7,875 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.24% - 24.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
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
N/A
Regular APR
16.24% - 24.24% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent/Good

Comparing Rewards Credit Card Offers

Updated: February 12, 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 Top Rewards Credit Cards of 2018 are:

Rewards cards possess powerful opportunities for the consumer – whether as cash back or points or miles. Earn rewards for airline tickets, hotel rooms, statement credits and other options. But do you understand how they work? Here, we address:

  • 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: Top Rewards Credit Cards for 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.