The Ultimate Guide to Credit Cards
Tuesday, September 27, 2022

18 Best Credit Cards for Points & Miles in 2022

Best Credit Cards For Points

credit card advice

Brittney Mayer

Written by: Brittney Mayer

Brittney Mayer

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

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Advertiser Disclosure

Besides the security and convenience, earning rewards is one of the driving reasons for using a credit card for everyday purchases. But which type of rewards are the best? Not only do you need to choose between cash back or points and miles, but within each category are dozens of credit cards from which to choose.

For those who like simplicity, cash back rewards are a common choice, offering basic earnings and easy redemption. But cash back isn’t for everyone. Many points and miles cards offer a much wider range of redemption options, from travel credit to merchandise to special events and exclusive experiences. And the ways you can earn those points are as various as the redemption options. No matter where your spending takes you, there’s likely a credit card perfect for earning points and miles rewards.

In the article below, we’ll explore the best credit cards for points and miles, including cards for travel, business, gas, dining, airline, and hotels. And, with the wide range of options below, there should be something suitable for nearly anyone.

Travel | Business | Gas | Dining | Airline | Hotel

Best Credit Cards for “Travel” Points

As is human nature, we often want what we can’t have, and vacations are hardly exempt from this desire. When we have ice and snow, we dream of sunny beaches, and those with 80-degree winters fantasize about mountainside retreats. Luckily, whether you want to ski, surf, or simply nap, you can find a travel rewards credit card that will help you afford it.

In contrast to airline co-branded cards that award frequent flyer miles, travel rewards points cards allow you to redeem your points for credit toward travel expenses, such as airline tickets and hotel stays, as well as related purchases, including rental cars and bus fares. Even better, our favorite travel points credit cards won’t stick you with irritating blackout dates or brand restrictions.

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 25.49% (Variable)
$95
Excellent, Good
Discover it® Miles Review

at Discover Card'ssecure website

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • 0% intro APR for 15 months on purchases. Then 14.24% to 25.24% Standard Variable Purchase APR will apply.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
14.24% - 25.24% Variable APR
$0
Excellent/Good

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.7/5.0
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% - 25.49% (Variable)
$395
Excellent

+See More Cards for Travel Rewards

While these cards all allow you to redeem your travel points through the issuer for free travel, some may offer you the ability to improve your per-point value by transferring your points to an eligible airline or hotel partner, adding to your current stash of frequent flyer miles or hotel points.

Best Credit Cards for “Business” Points

A practical necessity for any small business owner, business credit cards get used for everything from employee lunches to merchandise orders — and all the expenses in-between. Yes, in many cases, your typical small business spends more on their trusty plastic pal in one month than a family will in six, making it downright illogical to forgo a rewards credit card for all those purchases.

Picking a points card for your business expenses will require you to take a look at where you’re really spending the most; then, choose the card that will reward you the most for those purchases. If your business goes through more paper than an origami contest, a card offering bonus rewards for office supply purchases is likely best. If your expenses don’t fit neatly into a category, try a card offering unlimited points on all purchases.

BUSINESS CARD RATING

★★★★★
4.6

OVERALL RATING

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.24% - 23.24% Variable
$95
Good/Excellent

Similar to its consumer companions, the Ink Business Preferred® Credit Card earns the popular Ultimate Rewards points, which provide the best value when used for travel by transferring to one of Chase’s hotel or airline partners.

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
22.49% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

Capital One miles can be redeemed for a variety of travel expenses, including hotels and airline flights, all without blackout dates or brand restrictions that might limit your ability to book a necessary business trip (or much-needed vacation from your business).

American Express® Business Gold Card Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.5

OVERALL RATING

  • Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle, including airfare purchased directly from airlines, U.S. purchases for advertising in select media (online, TV, radio), U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions, and U.S. purchases at gas stations, restaurants, or for shipping. Applies to the first $150,000 in combined purchases from these 2 categories each calendar year.
  • Earn 1X Membership Rewards® points on other purchases
  • Book your flight with American Express Travel using Membership Rewards® Pay with Points and get 25% of those points back, up to 250,000 points back per calendar year
  • $295 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.74% - 23.74% Pay Over Time
$295
Excellent

This premium card lets you choose your main bonus points category so you can customize your earnings. Category options include airfare, advertising, gas, shipping, and computer services.

While not technically a charge card, the Business Gold Rewards Card has no pre-set spending limit, with your available credit line varying depending on your payment history, credit record, and financial resources.

+See More Cards for Business Rewards

Best Credit Cards for “Gas” Points

While plenty of people who live in the city can get by just fine without a car (or a driver’s license, for that matter) once you leave the hustle and bustle of the big city, a vehicle can become a vital tool for both work — and life in general.

With the right points credit card, you can help take the edge off your next fill up. Qualified applicants can find rewards points cards that offer multi-point bonuses for gas station purchases, plus additional bonus rewards in other popular categories, including things like grocery store and entertainment purchases. All of our top points cards also offer unlimited 1X point per $1 on all other purchases.

GAS REBATE RATING

★★★★★
4.7

OVERALL RATING

  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.24% - 26.24% (Variable)
$95
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

The Citi Premier® Card has a tiered reward structure that gives users bonus rewards on gas station purchases along with multiple other common spending categories. Though this card comes with a modest annual fee, the rewards potential and introductory signup bonus offering can well make up for it.

ThankYou Points can be redeemed for a variety of things, but generally offer the best value when redeemed for free flights through the ThankYou® Travel Center.

8. Amex EveryDay® Preferred Credit Card

The Amex EveryDay® Preferred Credit Card not only offers bonus points for gas station purchases, but you’ll also earn triple points on grocery store purchases.

Amex EveryDay® Preferred Credit Card

  • Earn 3X points per $1 spent at US supermarkets on up to $6,000 in purchases per year
  • Earn 2X points per $1 spent at US gas stations
  • Pay $95 annual fee

Frequent swipers can earn more with their card by making at least 30 purchases with their card per billing period to earn 50% extra points on those purchases.

9. U.S. Bank FlexPerks® Gold American Express® Card

The U.S. Bank FlexPerks® Gold American Express® Card offers triple points on restaurant purchases on top of its gas and airline purchase bonus rates.

U.S. Bank FlexPerks® Gold American Express® Card

  • Earn 3X FlexPoints per $1 spent on eligible restaurant purchases made with your card
  • Earn 2X FlexPoints on airline and gas station purchases
  • Pay an $85 annual fee

The FlexPerks® Gold card also provides a number of travel benefits, including a statement credit for a TSA Precheck® or Global Entry application fee, a $25 airline fee allowance, and complimentary Boingo WiFi.

+See More Cards for Gas Rewards

Best Credit Cards for “Dining” Points

Whether you drive a car or take the subway, own a business or work for The Man, everyone, everywhere shares at least one key similarity: we all gotta eat. And while some of us eat out significantly more than others, most of us dine out at least once a week, to a tune of over $3,000 per year per household.

By charging those meals on a quality points rewards credit card, you can save on every breadstick and french fry. Plus, with the right card, you can earn multiple points per dollar spent on dining at your favorite restaurants, making it a little easier to enjoy your night out. Our top card picks even provide additional bonus points in other useful categories, like travel and entertainment purchases.

POINTS & GIFTS RATING

★★★★★
4.9

OVERALL RATING

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.24% - 26.24% Variable
$550
Good/Excellent

POINTS & GIFTS RATING

★★★★★
4.8

OVERALL RATING

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.24% - 25.24% Variable
$95
Good/Excellent

For the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card cards, you’ll earn 3X or 2X points per $1 (respectively) for all dining purchases, which is defined by Chase as, “merchants whose primary business is sit-down or eat-in dining, including fast food restaurants as well as fine dining establishments.”

POINTS & GIFTS RATING

★★★★★
4.7

OVERALL RATING

  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.24% - 26.24% (Variable)
$95
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

The Citi Premier® Card earns generous ThankYou® points per dollar on all dining purchases, a broad category that includes both dine-in and take-out purchases (but may exclude some bars).

ThankYou Points can be redeemed for a variety of things, but generally offer the best value when redeemed for free flights through the ThankYou® Travel Center or transferred to a qualifying travel partner.

+See More Cards for Points Rewards

Best Credit Cards for “Airline” Points

While a general-purpose travel rewards card is the choice of many who don’t have a favorite airline, others, particularly frequent travelers, are more likely to have an airline loyalty account — and a growing balance of frequent flyer miles. Airline co-branded rewards credit cards can provide an easy way to earn frequent flyer points and miles that can be added to your stash for free flights with your favorite brand.

Regardless of how much you travel, however, a co-branded card might be a good addition to your wallet. In addition to frequent flyer points, these cards, including our favorites below, often offer branded benefits, such as free checked bags or lounge access, that can make any travel experience a better one.

CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® Review

at the issuer'ssecure website

AIR MILES RATING

★★★★
4.3

OVERALL RATING

  • Earn 65,000 American Airlines AAdvantage® bonus miles after spending 4,000 within 4 months of account opening
  • Earn 2X miles for every $1 spent on American Airlines purchases and at cable and internet providers, gas stations, select telecommunications merchants, and car rental services — all other purchases earn 1X points
  • First checked bag free on domestic American Airlines itineraries for you and up to 4 travel companions
  • 25% savings on American Airlines inflight WiFi, food, and beverage purchases when you use your card
  • Earn an American Airlines Companion Certificate for domestic travel after $30,000 in purchases each card membership year and card membership is renewed. Fees apply.
  • $0 intro annual fee, then $99
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 26.49% (Variable)
$99, waived first 12 months
Excellent, Good

Additional Disclosure: (The information related to CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)

The CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® allows cardholders to earn American Airlines AAdvantage points, as well as providing preferred boarding and your first checked bag for free.

As an added perk, redeeming your points can actually earn you more points. This card is a great pick for the avid traveler whose loyalty lies with American Airlines.

14. United MileagePlus Explorer Card

The United MileagePlus Explorer Card gives cardholders United miles on every purchase, plus preferred boarding and a free checked bag.

United MileagePlus Explorer Card

  • Earn 2X miles per $1 spent on airline tickets purchased from United, 1X on all other purchases
  • Get your first checked bag free on United-operated flights
  • Pay no annual fee the first year, then $95

To add to the perks, the United MileagePlus card also provides cardholders with two United Club lounge passes each anniversary year.

(Non-Monetized. The information related to United MileagePlus Explorer Card was collected by CardRates.com and has not been reviewed or provided by the issuer of this product. Product details may vary. Please see issuer website for current information. Product details may vary. Please see issuer website for current information. CardRates.com does not receive commission for this product/card.)

15. British Airways Visa Signature® Card

The British Airways Visa Signature® Card helps cardholders earn extra Avios points with every purchase, and offers automatic enrollment in the Executive Club for new members.

British Airways Visa Signature

  • Earn 3X Avios per $1 on British Airways purchases and 1X Avios on other eligible purchases
  • Receive a Travel Together Ticket for spending $30,000 in a year
  • Pay a $95 annual fee

The cost of rewards flights are based on the distance you fly, with short-distance trips (650 miles or less) starting at 4,000 Avios miles for off-peak travel dates.

(Non-Monetized. The information related to British Airways Visa Signature® Card was collected by CardRates.com and has not been reviewed or provided by the issuer of this product. Product details may vary. Please see issuer website for current information. Product details may vary. Please see issuer website for current information. CardRates.com does not receive commission for this product/card.)

Best Credit Cards for “Hotel” Points

Whether due to location, amenities, or the staff uniform, many travelers have a favorite hotel brand with which they stay whenever they’re away from home. To help encourage this behavior, most major hotel brands offer loyalty programs, similar to frequent flyer programs, that allow you to collect points redeemable toward free hotel stays.

With a hotel co-branded points credit card, you can not only earn hotel loyalty points faster by accruing them with every purchase, but you’ll also usually unlock additional perks and benefits, including cost-saving bonuses like room upgrades and free in-room WiFi. Some of our top picks also allow you to transfer hotel points to a partner airline to boost your bank of frequent flyer points.

16. Hilton Honors Ascend Card

The Hilton Honors Ascend Card is not only a quick route to free stays with its double-digit rewards rate for Hilton purchases, but also provides you with complimentary Hilton Honors Gold status.

Hilton Honors Ascend Card

  • Earn 12X points per dollar for Hilton purchases
  • Earn 6X points for purchases at US restaurants, supermarkets, and gas stations
  • Earn 3X points for all other purchases

The Hilton Honors Ascend Card is also great for big buyers, as you can earn a free Weekend Night Reward when you spend at least $15,000 on your card in a single calendar year.

17. Marriott Bonvoy Boundless Card

The Marriott Bonvoy Boundless Card is the new mid-tier card that resulted from the rebranding of the Marriott and Starwood programs after their merger. The card offers six points per dollar on Marriott purchase and two points on everything else.

Marriott Bonvoy Boundless Card

  • Earn 6X Marriott Bonvoy points per dollar spent at eligible Marriott Bonvoy properties
  • Earn 2X on all other purchases
  • Pay $95 annual fee

Cardholders receive automatic Silver Elite Status with Marriott Bonvoy and can earn Gold Status by spending $35,000 on purchases each account year. Users can also enjoy free premium in-room wifi and an annual free night award after the account anniversary.

(Non-Monetized. The information related to Marriott Bonvoy Boundless Card was collected by CardRates.com and has not been reviewed or provided by the issuer of this product. Product details may vary. Please see issuer website for current information. Product details may vary. Please see issuer website for current information. CardRates.com does not receive commission for this product/card.)

18. Radisson Rewards Premier Visa Signature® Card

The Radisson Rewards Premier Visa Signature® Card is ideal for Radisson loyalists who want to earn free nights. Cardholders earn 10X points per dollar on Radisson purchases and 5X points on everything else.

Radisson Rewards Premier Visa Signature® Card

  • Earn 10X Gold Points per $1 on qualified Radisson Hotel Group purchases
  • Earn 5X points per dollar on everything esle
  • Pay $75 annual fee

Cardholders can earn up to 85,000 points for reaching the tiered signup bonus, plus enjoy complimentary Gold elite status. Users get 40,000 each year for renewing their card, and they can earn up to three free nights with qualifying spend.

Point Your Spending in the Right Direction

With so many different shapes and sizes of credit card rewards programs available in the current card marketplace, the hardest part of earning rewards on every purchase is often choosing the right card. Even knowing you prefer the flexibility of points and miles only narrows down the decision a little bit, as you still have dozens of options from which to choose.

No matter what points card you wind up with, however, be sure to follow the basic rules of credit card rewards. First, always, always, always pay on time — credit damage from late payments can ruin any rewards experience. Additionally, try to avoid carrying a balance whenever possible, as interest fees can add up quickly, easily wiping out any savings you earned from redeeming your rewards.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.