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.
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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.
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:
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.
|Rewards Category||What to Consider|
|General Purpose Travel||How often you travel; lower rewards|
|Airline, Hotel||Rewards brand loyalty; annual fee|
|Cash Back||Can avoid annual fee; quarterly categories|
|Business||Rewards for business-related expenses|
|Luxury||Higher annual fees; luxury benefits|
|Retail||Higher rewards for brand loyalty|
|Gas||Might accept fair credit; higher rewards for gas|
A rewards card is worth it if you can stick to the following guidelines:
|Dining||Chase Sapphire Preferred®||2X Points||All year|
|Travel||Capital One® VentureOne® Rewards Credit Card||1.25 miles per dollar on all purchases||All year|
|U.S. Gas Stations||Bank of America® Cash Rewards Credit Card||3% on gas for the first $2,500 per quarter||All year|
|U.S. Supermarkets||Blue Cash Everyday® Card from American Express||3% (up to $6,000)||All year|
|Select U.S. Department Stores||Blue Cash Everyday® Card from American Express||2%||All year|
|Amazon.com||Discover it® Cashback Match™||5% + 5% at end of first year||Oct.-Dec. 2018|
|Wholesale Clubs||Discover it® Cashback Match™||5% + 5% at end of first year||Jan.-Mar. & Oct.-Dec. 2018|
|Internet/Cable/Phone||Chase 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
|Card||Welcome Bonus||Bonus Requirement||Rewards Rate|
|Capital One® VentureOne® Rewards Credit Card||20,000 Miles||Spend $1,000 on purchases within 3 months from account opening||Unlimited 1.25 miles per dollar on every purchase, every day|
|Chase Sapphire Preferred® Card||50,000 Bonus Points||Spend $4,000 on purchases in the first 3 months from account opening||2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases|
|Capital One® Venture® Rewards Credit Card||50,000 Miles||Spend $3,000 on purchases within 3 months from account opening||Unlimited 2X miles per dollar on every purchase, every day|
|Chase Freedom Unlimited®||$150 Bonus||Spend $500 on purchases in your first 3 months from account opening||Unlimited 1.5% cash back on every purchase|
|Bank of America® Cash Rewards Credit Card||$150 Bonus||Spend at least $500 on purchases in the first 90 days of account opening||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|
|Blue Cash Everyday® Card from American Express||$150 Bonus||Spend $1,00 on purchases within 3 months from account opening||3% 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||$150||Spend at least $500 on purchases in the first 3 months of account opening||Earn 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, automatically||Automatic||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.|
|Premier Rewards Gold Card from American Express||25,000 Bonus Points||Spend $2,000 on purchases within 3 months from account opening||3X 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 Bonus||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|
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