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.

Apply Now Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
  • Get a metal Venture Card when you apply today
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
14.24% - 24.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good

Blue Cash Everyday® Card from American Express

Apply Now APPLY BY PHONE Credit Needed
Excellent, Good
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 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.
  • 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

or call American Express at

877-915-6432
Terms Apply
Purchases Intro APR
0% on Purchases for 15 months
Balance Transfers Intro APR
0% on Balance Transfers for 15 months
Regular APR
14.24%-25.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
See Rates & Fees

Chase Freedom Unlimited®

Chase Freedom Unlimited®

8,818 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Apply Now at Chase's
secure site
Purchases Intro APR
0% Intro APR on Purchases for 15 months
Balance Transfers Intro APR
0% Intro APR on Balance Transfers for 15 months
Regular APR
16.24% - 24.99% Variable
Annual Fee
$0
Credit Needed
Excellent/Good

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

7,160 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • 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
$0 Intro for the First Year, then $95
Credit Needed
Excellent/Good

Capital One® VentureOne® Rewards Credit Card

Apply Now Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.24%-23.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Apply Now at Capital One's
secure site
Purchases Intro APR
0% intro on purchases for 12 months
Balance Transfers Intro APR
N/A
Regular APR
13.24% - 23.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good

Discover it® Cashback Match™

Discover it® Cashback Match™

25,774 customer reviews

Apply Now Credit Needed
Excellent/Good
  • 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.
  • Earn 1% cash back on all other purchases.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • 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
12.24% - 24.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Premier Rewards Gold Card from American Express

Apply Now APPLY BY PHONE 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

or call American Express at

877-915-6387
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

Capital One® Quicksilver® Cash Rewards Credit Card

Apply Now Credit Needed
Excellent, Good
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver 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
  • 0% intro APR on purchases for 9 months; 14.24%-24.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.24%-24.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or 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
14.24% - 24.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good

The Platinum Card® from American Express

Apply Now APPLY BY PHONE 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

or call American Express at

888-851-4804
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

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

Comparing Rewards Credit Card Offers

Updated: January 8, 2018

CreditCards.com's Top Rewards Credit Cards of 2018 are:

You might want to maximize earning points or miles for travel, or you might want to earn cash back on everything you buy. No matter your spending and earning goals, there’s a rewards card for you.

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

  • Different types of rewards cards
  • What is a rewards card?
  • How do you maximize your credit card points?
  • How to redeem your credit card points
  • Who qualifies for/should get a rewards card?
  • Should you go for cash back or other types of rewards?
  • Rewards rates for various spending categories
  • Are rewards cards with annual fees worth it?

Learn how to maximize your rewards with these tips:

What is a rewards card?

Rewards cards come in a variety of flavors – from cashback cards with quarterly categories to loyalty travel cards that reward you for using a specific brand. Basically, rewards cards reward you for brand or card loyalty. Many have annual fees, but that shouldn’t scare you away, because they can be quite lucrative. Others offer rewards for all manner of purchases, such as the Capital One Venture products.

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 do you maximize your credit card points?

  1. Do you have the right card? Before doing anything else, make sure you have the right card for your habits. If you travel often with a favorite airline, a branded card might be a good option. If you are an occasional traveler, a general purpose card might be best.
  2. What are you using it for? Use your card for everything you were going to buy anyway. With it, pay for insurance, your cellphone, groceries – pretty much anything that won’t charge a convenience fee.
  3. What are the benefits? Rewards cards often have benefits beyond points that make using your card worthwhile, including access to airport lounges and rental car insurance.
  4. Will you shop? Often, cards will have shopping portals in which you can use your points or miles.
  5. Are you overreaching? Don’t put anything on your card that you don’t already have the money for. Remember, credit cards aren’t designed to be long-term loans.
  6. Are you paying in full? Each and every month, pay in full to avoid those interest charges you pay when you carry over a balance to the next month, charges that basically undo the rewards you’ve received.
  7. Are you paying on time? Paying late can mean not only late charges, it can put your account and credit in jeopardy.

How to redeem your credit card points

  • A portal for purchases. With the Chase Sapphire Preferred and Reserve, you can get a boost on your points when you make travel purchases through the Chase Ultimate Rewards portal.
  • A portal for redemption. Cards like the Barclaycard Arrival Plus allow you to redeem your miles for all manner of travel through a portal that monitors your rewards.
  • 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.

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.

Should you go for cash back or other types of rewards?

Rewards cards vary widely, from gas and retail to cash back and airline. A cashback card is a good choice if you don’t travel much, but you’re willing to use your card for a variety of expenses, such as gas, restaurants and groceries. Airline and hotel cards are ideal for the traveler with a favorite brand. Retail cards are good for the consummate shopper who has favorite stores.

Reward rates for various spending categories

CategoryCardRewards RateQuarter
DiningCapital One® SavorSM Cash Rewards3%N/A
U.S. Gas StationsWells Fargo Propel American Express3X PointsN/A
U.S. SupermarketsBlue Cash Preferred® from American Express6%, up to $6,000 a year, then 1%N/A
Select U.S. Department StoresBlue Cash Preferred® from American Express3%N/A
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

Are reward cards with annual fees worth it?

In the first year of card membership, it can be advantageous to have a card with an annual fee that’s waived, because the sign-up bonus can be more generous. After the annual fee kicks in, the card with no annual fee might be more lucrative, depending on your spending habits. CreditCards.com’s valuation system: A reward value is determined by calculating the cost per reward unit (point or mile) for obtaining a good or service.

Recap: Top Rewards Credit Cards for 2018

CardWelcome BonusBonus RequirementRewards Rate
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
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
Chase Freedom Unlimited®$150 BonusSpend $500 on purchases in your first 3 months from account openingUnlimited 1.5% cash back on every purchase
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® 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
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.
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
The Platinum Card® from American Express60,000 Bonus PointsSpend $5,000 on purchases within 3 months from account opening5X points on flights booked directly with airlines or with American Express Travel and on eligible hotels through amextravel.com
Wells Fargo Cash Wise Visa® Card$200 BonusMake at least $1,000 in purchases in the first 3 monthsEarn 1.5% cash back on all purchases

Join the Discussion

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See the online credit card applications for details about the terms and conditions of an offer. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site.

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