It’s hard to pinpoint which card is the very best rewards credit card because features that may be the most appealing to one consumer may not be as important to another. Determining which card is best means determining which one is best for you, out of the selection of quality credit cards out there.
Whether it’s points, miles, or cash back, rewards credit cards offer tremendous opportunities to earn bonuses based on your purchases. If you choose a card with a rewards program that supplements your spending, you can enjoy deals like deep discounts on travel expenses, restaurants, entertainment purchases, and much more.
Our experts have rounded up 13 of the top credit cards in multiple rewards categories, so use the navigation to jump to the type of reward you’re most interested in, or to find the best deal based on your current credit rating.
Travel | Cash Back | Airline | Gas | Hotel |
Balance Transfer | Points & Gifts | Business | Students
Good Credit (700+ FICO) | Fair Credit (630-700) | Bad Credit (Below 630) | No Credit
1. Top “Travel” Rewards Card
With a travel rewards credit card, you can earn points on most purchases that can be redeemed for travel-related goodies, like hotel stays and plane tickets. These cards are often equipped with some of the best travel insurance programs, such as lost luggage and rental car coverage. Once you earn enough points, you can unlock great deals on qualified travel purchases through the card’s website.
Be mindful of annual fees, as these types of cards often carry one due to the many perks offered. Our favorite travel rewards card has no foreign transaction fees (important for overseas travel), a generous sign-up bonus, and a competitive APR:
- 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®
- 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
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
16.24% - 24.24% (Variable)
|
$95
|
Excellent, Good
|
+ See more travel rewards cards
2. Top “Cash Back” Rewards Card
Cash back, which returns a percentage of each purchase amount to you, remains one of the more straightforward and popular rewards programs. You have a few options for redeeming this type of reward, including receiving the cash back you’ve earned as a statement credit, in the form of a check, or applying it toward merchandise or travel purchases in the issuer’s online portal.
The most you can typically expect to earn on everyday purchases is around 2%. However, there are many cash back cards that can earn far more in rotating categories, such as our top pick below:
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- NEW Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 months
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0% Intro APR for 15 months
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12.24% - 23.24% Variable APR
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$0
|
Excellent/Good/Average
|
+ See more cash back rewards cards
3. Top “Airline” Rewards Card
Airline reward cards allow you to rack up air miles with most purchases, making it a great choice for frequent fliers. Cardholders can often earn even more miles when using the card to purchase travel related items, such as plane tickets. Miles can then be redeemed for a discounted or free flight, depending on how many miles are accrued.
While many of these cards charge an annual fee or make you join a frequent flyer program, we consider this Discover card the best airline rewards credit card because it doesn’t tie you to a specific airline — this means no blackout dates or travel restrictions! Simply redeem rewards for purchases you make with the card in the form of a statement credit.
- 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.
- New Intro APR: 0% intro APR† for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR will apply.
- Discover is accepted nationwide by 99% of the places that take credit cards.
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 months
|
0% Intro APR for 15 months
|
12.24% - 23.24% Variable APR
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$0
|
Excellent/Good
|
4. Top “Gas” Rewards Card
Whether you have a long commute to work or just like to take frequent road trips, you may find a gas rewards card beneficial to you. These cards reward you, generally in the form of cash back, on all of your gas station purchases. Oftentimes you can earn up to 3% back, but you can earn a larger percentage on gas purchases on cards that offer fuel as a rotating category.
The Chase Freedom Flex℠ offers gas as a rotating bonus category for at least one quarter each year, making it one of our favorite gas rewards cards:
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR on Purchases 15 months
|
0% Intro APR on Balance Transfers 15 months
|
15.24% - 23.99% Variable
|
$0
|
Good/Excellent
|
5. Top “Hotel” Rewards Card
If you’ve been looking into this type of card, you’ve likely seen many offers touting the best hotel rewards credit card as a branded option with one of the large hotel chains. Those deals may seem hard to beat, but they also have drawbacks, such as tying you specifically to that chain. What if the city you’re visiting doesn’t have that brand of hotel?
You can actually earn excellent hotel rewards through general travel cards too, which allows you to redeem the points toward many hotels, not just one chain. Once you’ve racked up enough points, simply book your hotel through the credit card website to ensure the purchase is made with your rewards. We love the following card because it allows you to redeem points at any hotel with no blackout dates, and always offers a generous sign-up bonus:
- 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®
- 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
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
16.24% - 24.24% (Variable)
|
$95
|
Excellent, Good
|
6. Top “Balance Transfer” Rewards Card
If you’re looking for a great balance transfer credit card that comes with a rewards program, you have several great options. Most people seek balance transfer cards to avoid paying a high interest rate on their current card by transferring its balance to a new card offering a 0% APR period, which can last anywhere from six to 18 months.
Always check the fine print for balance transfer fees and the APR after the introductory period ends, but once you find the card that best suits you, you’ll be ready to earn rewards on each new purchase with the card. Our top balance transfer pick has a great rewards program and a lengthy 0% interest time frame:
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- No annual fee.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 6 months
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0% Intro APR for 18 months
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12.24% - 23.24% Variable APR
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$0
|
Excellent/Good/Average
|
+ See more balance transfer cards
7. Top “Points & Gifts” Rewards Card
Points-based credit cards allow you to earn rewards by offering multiple points per dollar spent on most purchases, with additional points in rotating categories like entertainment and dining. If restaurant purchases fetch two points per $1 spent, it’s easy to see how quickly the rewards can add up.
Points can be redeemed toward purchases through the card’s online storefront, and you can often find deals by going through the rewards program to make a purchase rather than redeeming your rewards for a statement credit. The card below provides one of the best credit card rewards programs for earning points, however you decide to use them:
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 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, 80,000 points are worth $1,000 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.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
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N/A
|
16.24% - 23.24% Variable
|
$95
|
Good/Excellent
|
+ See more points & gifts rewards cards
8. Top “Business” Rewards Card
If you run your own business, there are rewards cards tailored to your needs, too. For these types of cards, you can earn bigger bonuses for business purchases, such as regular office expenses or shopping at office supply stores. Most of these cards offer a hefty signing bonus if you spend enough during the first three to six months of owning the card.
Take note that the spending requirement to earn the sign-up bonus is typically higher than a personal credit card because the expectation is that businesses cost more to run and will spend more than an individual. Our best business rewards credit card includes a nice signing bonus on top of everyday cash back rewards:
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% Intro APR on Purchases 12 months
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N/A 12 months
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13.49% - 19.49% Variable
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$0
|
Good/Excellent
|
+ See more business rewards cards
9. Top “Students” Rewards Card
Traditional student credit cards often serve up the memory of a “starter card” with limited functionality, but today’s student credit cards are powerful tools for students to build their credit and earn rewards.
Annual statement credits for good grades, no annual fees, rewards programs, and competitive APRs make the notion of a starter card for students obsolete. Our top choice for students is below, and it offers some great perks, including rewards:
- No credit score required to apply.*
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24% applies.
- Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 6 months
|
10.99% Intro APR for 6 months
|
13.24% - 22.24% Variable APR
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$0
|
Fair/New to Credit
|
+ See more student rewards cards
10. Top Rewards Card for “Good” Credit
If you’ve paid your bills on time, had your lines of credit for a while, and kept your credit utilization under 30%, you’ve likely earned yourself pretty good credit, which is typically considered to be a FICO score above 700. With good credit, there are quite a few options for a rewards card that provides a competitive cash back or points program.
The following reward card offers an outstanding cash back percentage on every purchase with no limits, no restrictions, and no expiration to the rewards:
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR on Purchases 15 months
|
0% Intro APR on Balance Transfers 15 months
|
15.24% - 23.99% Variable
|
$0
|
Good/Excellent
|
+ See more cards for good credit
11. Top Rewards Card for “Fair” Credit
Even if you may have missed a few payments or have a high credit utilization ratio, there are several rewards credit cards for fair credit, or those with a FICO score between 630 and 700. If you can get your credit utilization to 30% or less, prioritize your monthly payments, and have a healthy mix of credit accounts open, then using your credit card responsibly can help you build your score.
Our best fair credit rewards credit card does not charge an annual fee and offers some great benefits through its rewards program, including cash back:
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
26.99% (Variable)
|
$39
|
Average, Fair, Limited
|
+ See more cards for fair credit
12. Top Rewards Card for “Bad” Credit
A FICO score below 630 generally indicates poor credit, but you may still be eligible for a rewards credit card. It can be helpful to earn rewards, particularly if the rewards can be applied as a statement credit to pay down a portion of your bill.
As long as you use the card responsibly, you’ll be able to help improve your score by always making the monthly payments on time and utilizing 30% or less of your total available credit. The following offer is a very popular choice for those with less-than-stellar credit:
- Don’t let a low FICO score stop you from applying – we approve applications others may not.
- You don’t need good credit to apply.
- Just complete the short application and find out in 60 seconds if you’re approved.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
See Issuer Website
|
See Issuer Website
|
Fair/Poor
|
+ See more cards for bad credit
13. Top Rewards Card for “No/Limited” Credit
Just because you have limited credit history doesn’t mean you can’t get approved for a decent rewards credit card, and with responsible use, you can begin to build your credit history and score. There are a few factors that go into a FICO score, so make sure you understand what can help and hurt your credit.
Below is our top credit card with an impressive rewards program for those with a limited credit history:
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
26.99% (Variable)
|
$39
|
Average, Fair, Limited
|
+ See more cards for no/limited credit
Make the Most of Deals & Offers
Since the best rewards credit cards offer multiple ways to redeem your rewards, keep in mind what you’ll be purchasing and how you’ll want to cash in your rewards. From gifts bought with points to free nights at certain hotels, there are many ways to enjoy your credit card rewards.
Once you decide what you can qualify for based on your credit score — and determine what kind of rewards credit card you want — you can get excited about all the perks you’ll soon earn thanks to your new card!
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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.
Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.
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