Inside Article
What Are the Best Rewards Credit Cards?
Rewards credit cards are available in two main types: cash-back card and travel cards. Cash Back Cards refunds a percentage of money of each transaction that is made for purchasing. While travel rewards credit cards offers points or miles for each dollar you spend on purchases. These points and miles are redeemable by the credit cards companies in the form of free flights, hotel stays and more.
It is not necessary a rewards credit card suitable for you must be beneficial for others. Rather, it’s all about how you spend your money and what kind of rewards you value.
There are also a variety of credit card companies claiming high rewards offers card but what are the best rewards credit cards which are most suitable for you.
When we talk about best rewards credit card offers, they come up with generous welcome bonuses and a variety of eye-catching benefits like cost-saving purchases and travel protections. However, you must keep an eye on drawbacks and cons e.g. annual fee, APRs, recommended credit score while applying for these. Honestly speaking, these best rewards credit cards for travel or cash back are a good fit for those who pay their balances timely full every month; otherwise, you may lose the rewards.
CForCreditCard has prepared a list of the best rewards credit cards from our partners below.
Let’s have a closer look on what we have prepared for you.
The Best Rewards Credit Card for Travel
Travel – Capital One Venture Rewards Credit Card For Travel
Capital One Venture Rewards Credit Card provides a one-time bonus of 60,000 miles (value equal to $600 in travel) right after you purchase $3,000 value products for the first 3 months from account opening. Also, earn unlimited 2X miles on every purchase, every day.
Best Rewards Visa Card for Generous Sign-Up Bonus
Signup – Chase Sapphire Preferred® Card For Sign-Up Bonus
Chase Sapphire Preferred® Credit Card offer a signup bonus of 80,000 points (value equal to $1,000 redeemable by Chase Ultimate Rewards®) when you spend $4,000 on buying within the first three months from account opening. Also, $50 annual Ultimate Rewards Hotel Credit plus 5x on travel purchased through Chase Ultimate Rewards® and more.
Best for Unlimited Miles on Purchases
Travel – Capital One Venture X Rewards Credit Card For Unlimited Miles
Earn 75,000 bonus miles with Capital One Venture X Rewards Credit Card after spending $4,000 (value = $750 in travel rewards) in the first 3 months from account opening. Also, get $300 back annually as statement credits for bookings through Capital One Travel. You can also receive unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel.
Best for Automatically Maximizing Rewards
Cash Back – Citi Custom Cash℠ Card For Automatic Rewards
The Citi Custom Cash℠ Card is a popular choice for those seeking automatic rewards. With this card, you can enjoy the convenience of having your bonus cash back automatically adjusted based on your spending in the card’s eligible bonus categories. It offers a competitive rewards rate of 5% on your highest eligible spend category, up to $500 per billing cycle, and 1% cash back on all other purchases. This no-hassle card simplifies the earning process by automatically allocating the 5% cash back to your top eligible spend category each billing cycle. Whether you’re looking to maximize your cash back or planning to use it for travel, the Citi Custom Cash Card provides a rewarding experience.
Best Rewards Credit Card for Groceries
Purchases – Blue Cash Preferred® Card from American Express For Rewards
The Blue Cash Preferred® Card from American Express is a top choice for individuals looking to earn generous rewards on their everyday purchases. With this card, you can enjoy a remarkable 6% cash back at U.S. supermarkets, up to $6,000 in purchases per year, making it an ideal option for those who frequently shop for groceries. Additionally, you’ll earn 6% cash back on select U.S. streaming subscriptions, such as Netflix and Spotify, 3% cash back at U.S. gas stations and on transit, and 1% cash back on all other purchases. This card also offers a generous welcome bonus and special financing options, making it a versatile companion for maximizing rewards and saving money. Whether you’re stocking up on groceries or enjoying your favorite streaming services, the Blue Cash Preferred® Card from American Express delivers valuable rewards with every purchase.
Best for Unlimited + Everyday Rewards in Popular Categories
Everdays Purchases – Capital One SavorOne Cash Rewards Credit Card For Rewards
The Capital One SavorOne Cash Rewards Credit Card is a popular choice for individuals looking to earn rewards on everyday purchases. With this card, you can earn unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery store purchases. This card also offers a $200 cash bonus after spending a certain amount within the first few months. The SavorOne card has no annual fee and provides additional benefits such as an intro 0% APR for 15 months on purchases and balance transfers. If you enjoy dining out and want to earn cash back on your everyday expenses, the Capital One SavorOne Cash Rewards Credit Card could be a great option for you.
Best for Everyday Cash Rewards
Cash Back – Wells Fargo Active Cash℠ Card For Cash Rewards
The Wells Fargo Active Cash℠ Card is a fantastic choice for individuals seeking cash rewards on their everyday purchases. With this card, you can earn unlimited 2% cash back on all your purchases. Whether you’re grocery shopping, dining out, or making online purchases, you’ll be rewarded with cash back that can be redeemed as a statement credit or withdrawn from Wells Fargo ATMs. The card also offers a $200 cash rewards welcome bonus and has no annual fee. With its simple rewards program and attractive benefits, the Wells Fargo Active Cash℠ Card is a great option for those looking to earn cash rewards on their spending.
Best for Occasional Ttravel + Intro APR
Travel – Capital One VentureOne Rewards Credit Card
The Capital One VentureOne Rewards Credit Card is a standout option for individuals seeking a travel rewards credit card with no annual fee. With this card, you can earn 1.25 miles per dollar on every purchase, making it easy to accumulate miles for your next adventure. Additionally, the card offers a generous welcome bonus of miles after reaching a certain spending threshold within the first few months. The miles earned with this card can be redeemed for travel statement credits, allowing you to offset the cost of flights, hotels, rental cars, and more. The VentureOne card also provides valuable travel benefits such as no foreign transaction fees and travel accident insurance. If you’re someone who loves to explore the world and wants to earn travel rewards without paying an annual fee, the Capital One VentureOne Rewards Credit Card is an excellent choice.
Best Reward Credit Card for Excellent Credit
Travel – Citi Premier® Credit Card
The Citi Premier® Credit Card is a compelling option for individuals looking to maximize their travel rewards and enjoy a range of exclusive benefits. With this card, you can earn generous points on a variety of spending categories, including travel, dining, entertainment, and more. These points can be redeemed for flights, hotels, gift cards, and even cash back. Plus, the card offers a substantial welcome bonus that can kickstart your rewards journey. Beyond earning points, the Citi Premier® Credit Card provides valuable perks such as enhanced travel protections, access to exclusive events, and no foreign transaction fees. Whether you’re a frequent flyer or simply enjoy exploring new experiences, the Citi Premier® Credit Card offers a wealth of rewards and benefits to enhance your lifestyle.
The Best Rewards Credit Card for Travel
Travel – The Platinum Card® from American Express
The Platinum Card® from American Express is the epitome of luxury and exclusivity when it comes to credit cards. This prestigious card offers a plethora of benefits and perks that cater to the discerning traveler and lifestyle enthusiast. With the Platinum Card, you gain access to a world of privileges, including airport lounge access, elite hotel status, and concierge services that can assist with travel arrangements and reservations. Additionally, cardholders can enjoy valuable credits for travel expenses like Uber rides and airline fees, as well as special discounts and benefits at premium hotels and resorts. The Platinum Card truly elevates the experience of its users, providing unmatched rewards and exceptional customer service. If you appreciate the finer things in life and desire unparalleled travel and lifestyle perks, the Platinum Card® from American Express is the ultimate choice.
Best Rewards Credit Card Offers for Students
Cash Back – Capital One SavorOne Student Cash Rewards Credit Card
The Capital One SavorOne Student Cash Rewards Credit Card is a credit card that offers an array of exceptional benefits. Earn 80,000 Membership Rewards® Points by spending $8,000 within the first 6 months of Card Membership. With the Pay Over Time feature, enjoy a variable APR of 21.24% to 29.24% on eligible charges. Experience luxury travel with a $200 hotel credit each year, redeemable at over 2,000 handpicked hotels. Additionally, receive a $240 digital entertainment credit, $155 Walmart+ credit, $200 Uber Cash, and a $200 airline fee credit. These perks make The Capital One SavorOne Student Cash Rewards Credit Card the ideal choice for those seeking unparalleled rewards and exclusive privileges.
Best for Cash Back Match
Cash Back – Discover it® Cash Back Credit Card
The Discover it® Cash Back Credit Card is a rewarding credit card that offers a unique cashback program. Cardholders can earn 5% cash back on everyday purchases at rotating categories like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when activated. With the 5% Cashback Calendar, users can stay updated on the current eligible categories. Additionally, the card offers 1% cash back on all other purchases. What makes this card truly exceptional is the Unlimited Cashback Match feature, which automatically matches all the cash back earned at the end of the first year, dollar-for-dollar, with no limit. Furthermore, cardholders can benefit from a 0% intro APR for 15 months on purchases and balance transfers, making it an excellent option for those looking to save on interest. With no annual fee, the Discover it® Cash Back Credit Card presents a fantastic opportunity to earn cash back rewards and enjoy financial flexibility.
Best for Rewards at Drugstores
Drugstores – Chase Freedom Unlimited® Credit Card
The Chase Freedom Unlimited® credit card is a rewarding credit card with a range of cash back benefits. New cardholders can earn a $200 bonus after spending $500 on purchases within the first 3 months of account opening. With the card, users can earn cash back on various categories: 5% on travel booked through Chase Ultimate Rewards, 3% on dining at restaurants (including takeout and eligible delivery services), 3% on drugstore purchases, and 1.5% on all other purchases. The card also offers a low intro APR of 0% for 15 months on purchases and balance transfers, making it a great option for those looking to save on interest. Furthermore, there is no annual fee, allowing cardholders to enjoy the benefits without any extra cost. Cash back rewards do not expire as long as the account remains open, and there is no minimum amount required to redeem for cash back. The Chase Freedom Unlimited® credit card provides a fantastic opportunity to earn rewards and enjoy financial flexibility.
Best for Long 0% Intro APR
Cash Rewards – Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers a range of attractive benefits for business owners. With a $300 online statement credit bonus, new cardholders can earn this reward after making at least $3,000 in purchases within the first 90 days of account opening. The cash back program allows users to earn 3% cash back in a category of their choice, such as gas stations, office supply stores, travel, and more. Additionally, cardholders can earn 2% cash back on dining purchases and unlimited 1% cash back on all other purchases. There is an annual maximum for the 3% and 2% cash back categories, with rewards calculated on the first $50,000 in combined choice category and dining purchases each calendar year. To further enhance cash back earnings, having a business checking account with Bank of America and qualifying for the Preferred Rewards for Business tier can increase cash back rates up to 75%. The card also offers flexible redemption options, including depositing cash rewards into a Bank of America® account, receiving a statement credit, or receiving a check. With no annual fee and a 0% introductory APR for the first 9 billing cycles, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card provides valuable rewards and financial flexibility for business owners.
Best Credit Card For Restaurants
Foodies – American Express® Gold Card
The American Express® Gold Card is a premium credit card that caters to foodies and frequent travelers. With up to 4X points on eligible purchases, including restaurants worldwide and U.S. supermarkets, it offers competitive rewards in these categories. The card comes with valuable perks, such as a dining credit of up to $120 at selected restaurants and food delivery services, and up to $120 Uber credit for rides and food delivery. There are no foreign transaction fees, and the card offers comprehensive travel and purchase protections. New cardholders can also earn 60,000 Membership Rewards points after spending $4,000 in the first 6 months. Points can be redeemed for travel, transferred to airline and hotel loyalty programs, used to pay with points at online retailers, redeemed for gift cards, or used to cover charges on the monthly statement. The American Express® Gold Card also provides additional benefits, including dining credits, Uber cash, hotel experience credits, global assist hotline, baggage insurance plan, car rental loss and damage insurance, and exclusive access to events. With its rewarding features and perks, the American Express® Gold Card is an excellent choice for food enthusiasts and frequent travelers.
Frequently Asked Questions (FAQs)
Ans: The best rewards credit cards in the USA include the Chase Sapphire Preferred® Card, the Capital One Venture Rewards Credit Card, the Blue Cash Preferred® Card from American Express, and Citi Double Cash Card, to name a few. These credit cards offer various rewards programs and benefits, such as cash back, travel rewards, and bonus points. It is important to consider your spending habits and financial goals to determine which credit card would be the best for you.
Ans: The Capital One Venture Rewards Credit Card is one of the most popular travel credit cards in the market. It offers unlimited 2x miles on every purchase, with no annual fees for the first year, and $95 after that. The card also provides an impressive sign-up bonus of 60,000 miles – which is equal to $600 in travel expenses. The rewards program allows users to redeem rewards for travel purchases or transfer miles to loyalty programs of major airlines or hotels.
Ans: The Chase Sapphire Preferred® Card is another popular travel rewards credit card that provides a variety of features. It offers 2x points on dining and travel purchases, and 1x point on all other purchases. The sign-up bonus includes 80,000 points, which can be redeemed for $1000 worth of travel. The cardholders can transfer the points to travel partners such as Hyatt, Marriot, Southwest, and United. Additionally, the card provides travel insurance, extended warranty protection, and automatic concierge services.
Ans: The Blue Cash Preferred® Card from American Express is an excellent credit card for those who spend on groceries, streaming services, and gas. The card offers 6% cashback on purchases made at supermarkets up to $6,000 per year and 1% cashback afterward. It also provides 6% cash back on select US streaming service subscriptions. The cardholders can earn 3% cashback on purchases made at gas stations and transit and 1% cashback on all other purchases.
Ans: One of the best rewards credit cards for students and newly graduates is the Discover it® Student Cash Back credit card. It offers 5% cashback on rotating bonus categories such as restaurants, gas stations, and grocery stores, up to $1,500 per quarter, and 1% cashback on all other purchases. The card doesn’t charge an annual fee and rewards the cardholders with a $20 statement credit each year for maintaining a 3.0 or higher GPA. The card also offers free access to a FICO credit score, which is helpful for building credit.
Final Words
All in all, there are a wide variety of rewards credit cards out there, each with their own unique features and benefits. Finding which card is best for you depends on your individual spending habits and lifestyle. Capital One Venture Rewards Credit Card is perfect for travel, Chase Sapphire Preferred® Card offers its users a great sign-up bonus, Citi Custom Cash℠ Card provides automatic rewards, Blue Cash Preferred® Card from American Express grants rewards with every purchase, and Wells Fargo Active Cash℠ Card offers cash back rewards. Additionally, Capital One SavorOne Cash Rewards Credit Card provides more options for foodies; Citi Premier® Credit card for those who prefer more features; The Platinum Card® from American Express for luxury seekers; Capital One SavorOne Student Cash Rewards Credit Card for students and newly graduate; Discover it® Cash Back Credit Card offering the most competitive cash back percentage and Chase Freedom Unlimited® Credit helping stay on budget by keeping track of drugstore purchases. To get the most benefit out of the reward credit cards you should check all available options to find which one suits your needs the best. So don’t wait any longer to start reaping the rewards – Check out some of the best Reward Credit Cards in USA now!
