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.

Capital One® Savor℠ Cash Rewards Credit Card

Apply Now Credit Needed
Excellent, Good
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • 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 9 months; 15.74%-24.49% variable APR after that
  • 0% intro APR on balance transfers for 9 months; 15.74%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 9 months
  • No annual fee
  • No foreign transaction fees
Apply Now at Capital One's
secure site
Purchases Intro APR
0% intro on purchases for 9 months
Balance Transfers Intro APR
0% intro on balance transfers for 9 months
Regular APR
15.74% - 24.49% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good

The Blue Business℠ Plus Credit Card from American Express

Apply Now Credit Needed
Excellent, Good
  • Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • More buying power for your business* means more opportunities to earn points. That's everyday business with the new Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.49%, 16.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
0% on Purchases for 15 months
Balance Transfers Intro APR
0% on Balance Transfers for 15 months
Regular APR
12.49% - 20.49% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
See Rates & Fees

Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card

1,156 customer reviews

Apply Now Credit Needed
Excellent Credit
  • Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open.
  • 3,000 bonus points after your Cardmember anniversary
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 1 point per $1 spent on all other purchases
  • Earn unlimited points that don't expire as long as your card account is open
  • No blackout dates or seat restrictions
  • Bags fly free® and no change fees
  • Redeem your points for flights, hotel stays, gift cards, access to events and more
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
$69
Credit Needed
Excellent Credit

United MileagePlus® Explorer Card

Apply Now Credit Needed
Excellent Credit
  • Limited time offer - ends 3/15/18
  • 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
  • $0 introductory annual fee for the first year, then $95.
  • Check your first bag for free (a savings of up to $100 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • No foreign transaction fees
  • Earn 2 miles per $1 spent on tickets purchased from United, and 1 mile per $1 spent on all other purchases
  • Your miles don't expire as long as your credit card account is open, with no limit to the number of miles you can earn
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 First Year, then $95
Credit Needed
Excellent Credit

Capital One® QuicksilverOne® Cash Rewards Credit Card

Apply Now Credit Needed
Average, Fair, Limited
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • 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
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
24.99% (Variable)
Annual Fee
$39
Credit Needed
Average, Fair, Limited

Discover it® chrome

Discover it® chrome

993 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 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

Blue Delta SkyMiles® Credit Card from American Express

Apply Now Credit Needed
Excellent Credit
  • Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months.
  • No Annual Fee.
  • Earn 2 miles per dollar at US restaurants.
  • Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • 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
$0
Credit Needed
Excellent Credit
See Rates & Fees

HSBC Cash Rewards Mastercard® credit card

Apply Now Credit Needed
Good/Excellent
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.24%, 18.24% or 24.24% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Apply Now at HSBC's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% Intro APR for 15 months
Regular APR
Variable APR of 14.24%, 18.24% or 24.24%
Annual Fee
$0
Credit Needed
Good/Excellent
See Rates & Fees

Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

1,854 customer reviews

Apply Now Credit Needed
Excellent Credit
  • Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 1 point per $1 spent on all other purchases
  • Earn unlimited points that don't expire as long as your card account is open
  • No foreign transaction fees
  • No blackout dates or seat restrictions, Bags fly free® and no change fees
  • Redeem your points for flights, hotel stays, gift cards, access to events and more
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
$99
Credit Needed
Excellent Credit

Starwood Preferred Guest® Credit Card from American Express

Apply Now Credit Needed
Excellent/Good
  • Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Planning a road trip? Rent your car, fill up your tank, book your hotel, and pay for it with your American Express® Card.
  • 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
16.49%-20.49% Variable
Annual Fee
$0 introductory annual fee for the first year, then $95.
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.