12 Best Rewards Credit Cards of September 2021

12 Best Rewards Credit Cards of September 2021

Lee Huffman
by Edited by Robin Ratcliff updated

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The Chase Sapphire Reserve® takes the cake for best travel rewards credit card. You'll get a 50% redemption bonus when booking travel through the Chase Ultimate Rewards® online travel portal — stretching the value of your points further than other cards can offer.

See best card offers

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Citi is an advertising partner.

Best rewards credit cards 2021

Best for travel rewards:

Chase Sapphire Reserve®

Chase Sapphire Reserve®
Apply Now
  • On Chase's Secure Website

Best for cash rewards:

Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer
Apply Now
  • On Citibank's Secure Website

Best for grocery rewards:

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express
Apply Now

A rewards credit card – defined as a credit card that rewards you when you spend with the card – can be a great way to earn a little extra on purchases you were going to make anyway. Depending on the flavor of rewards that suit you best – cashback, points or miles – the right rewards credit card can help you pad your savings account or help you finance a dream vacation.

For those looking to maximize their purchases to earn the most points or miles, any of these cards provide excellent value. The best rewards credit card for you will reward you for your highest spending categories. Whether you want travel or cash back, these cards are best for savvy cardholders who don't mind spending the extra time deciphering all of these rewards rates.

Methodology

To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

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Best travel rewards credit card

Chase Sapphire Reserve®

Travel
Chase Sapphire Reserve®
Apply Now
  • On Chase's Secure Website
Annual Fee

$550

APR

16.99%-23.99% Variable

Credit Needed
?

Excellent

Editor's 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. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 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 BackSM, 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
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
+ see card details

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

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Our thoughts

The Chase Sapphire Reserve® retains its title as the best travel rewards credit card thanks to its earning power and how flexible its points are to redeem. You 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 Although its annual fee increased by $100 in 2020, new benefits were added that frequent travelers will enjoy. These benefits include 10X points on Lyft rides through March 2022 and $120 in DoorDash credits through December 2021.

  • Valuable welcome bonus. The card's bonus is worth $600 in cash, $900 in travel through the Ultimate Rewards® portal.
  • Annual travel credit of $300. This credit can be used to pay for any travel expense, including booking flights or hotels, and public transportation. The credit also applies to grocery store and gas station purchases through December 2021.
  • Unlimited 3X points on travel and dining worldwide. You'll earn 3 Chase Ultimate Rewards points per dollar on every travel and dining purchase you make anywhere in the world.
  • Points are worth 50% more towards travel. You can redeem points for 1.5 cents each towards travel reservations through the Chase Ultimate Rewards® online travel portal.
  • 1:1 points transfer to hotel and airline partners. Points transfer on a 1:1 basis to leading hotel and airline programs.
  • 10X on qualifying Lyft rides. Earn an additional 7 points per $1 spent on qualifying Lyft rides through March 2022.
  • Complimentary airport lounge access. Register for a free Priority Pass™ Select membership which includes access to over 1,200 airport lounges around the world.
  • Primary rental car coverage. When charging the full amount to your card (and declining the company’s collision insurance), you'll receive primary rental car protection from theft or damage on your rental car.
  • Coronavirus updates. Through Sept. 30, 2021, cardholders can use the "Pay Yourself Back" feature to get 1.5 cents per point redeemed for statement credits on grocery stores, home improvement and restaurant purchases. Gas station and grocery store purchases count toward the $300 annual travel credit until Dec. 31, 2021.
  • Annual fee of $550. Some travelers may find it hard to justify the large annual fee each year. This is especially true right now when most people are traveling less during the COVID-19 pandemic, though Chase has added a few limited-time benefits to compensate.
  • Authorized users are $75 each. If you want to extend your benefits to an authorized user, you'll have to pay an additional $75 each year per person.
  • Large minimum spend requirement. To earn the welcome bonus, you'll need to spend $4,000 within three months. For some customers, this is a difficult threshold to overcome.
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Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 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\\u00ae\\u003C\\\/li\\u003E\\u003Cli\\u003E$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards\\u00ae immediately after the first $300 is spent on travel purchases annually. 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The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Travel\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4335.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1129?url=_best-rewards-credit-cards\",\"name\":\"Chase Sapphire Reserve\\u00ae\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Sapphire Reserve\u00ae: Is It Worth Applying For?\" href=\"https:\/\/www.valuepenguin.com\/chase-sapphire-reserve-credit-card\"\u003EChase Sapphire Reserve\u00ae\u003C\/a\u003E\u003C\/span\u003E retains its title as the best travel rewards credit card thanks to its earning power and how flexible its points are to redeem. You earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards\u00ae 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 Although its annual fee increased by $100 in 2020, new benefits were added that frequent travelers will enjoy. These benefits include 10X points on Lyft rides through March 2022 and $120 in DoorDash credits through December 2021.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EValuable welcome bonus\u003C\/strong\u003E. The card's bonus is worth $600 in cash, $900 in travel through the Ultimate Rewards\u00ae portal.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual travel credit of $300\u003C\/strong\u003E. This credit can be used to pay for any travel expense, including booking flights or hotels, and public transportation. The credit also applies to grocery store and gas station purchases through December 2021.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EUnlimited 3X points on travel and dining worldwide\u003C\/strong\u003E. You'll earn 3 Chase Ultimate Rewards points per dollar on every travel and dining purchase you make anywhere in the world.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPoints are worth 50% more towards travel\u003C\/strong\u003E. You can redeem points for 1.5 cents each towards travel reservations through the Chase Ultimate Rewards\u00ae online travel portal.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E1:1 points transfer to hotel and airline partners\u003C\/strong\u003E. Points transfer on a 1:1 basis to leading hotel and airline programs.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E10X on qualifying Lyft rides\u003C\/strong\u003E. Earn an additional 7 points per $1 spent on qualifying Lyft rides through March 2022.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EComplimentary airport lounge access\u003C\/strong\u003E. Register for a free Priority Pass\u2122 Select membership which includes access to over 1,200 airport lounges around the world.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPrimary rental car coverage\u003C\/strong\u003E. When charging the full amount to your card (and declining the company\u2019s collision insurance), you'll receive primary rental car protection from theft or damage on your rental car.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ECoronavirus updates\u003C\/strong\u003E. Through Sept. 30, 2021, cardholders can use the \"Pay Yourself Back\" feature to get 1.5 cents per point redeemed for statement credits on grocery stores, home improvement and restaurant purchases. Gas station and grocery store purchases count toward the $300 annual travel credit until Dec. 31, 2021.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee of $550\u003C\/strong\u003E. Some travelers may find it hard to justify the large annual fee each year. This is especially true right now when most people are traveling less during the COVID-19 pandemic, though Chase has added a few limited-time benefits to compensate.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAuthorized users are $75 each\u003C\/strong\u003E. If you want to extend your benefits to an authorized user, you'll have to pay an additional $75 each year per person.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELarge minimum spend requirement\u003C\/strong\u003E. To earn the welcome bonus, you'll need to spend $4,000 within three months. For some customers, this is a difficult threshold to overcome.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best cash rewards credit card

Citi® Double Cash Card – 18 month BT offer

Cash rewards
Citi® Double Cash Card – 18 month BT offer
Apply Now
  • On Citibank's Secure Website
Annual Fee

$0

APR

13.99% – 23.99% (Variable)

Credit Needed
?

Excellent/Good

Editor's Rating
?
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
+ see card details

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

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Our thoughts

With the Citi® Double Cash Card – 18 month BT offer card, you Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. That's one of the highest earning rates currently available for a cashback card. Though the card doesn't offer a sign-up bonus, its earnings will make up for that over time if you spend enough on it. This credit card has even more value now that you can convert your cash back into Citi ThankYou Points to redeem for travel or transfer to airline and retail partners — making the Citi® Double Cash Card – 18 month BT offer one of the best rewards credit cards with $0 annual fee.

  • Earn a high rate of cash back on every purchase. The card gives you the same rate of cash back on every purchase, so you don't have to worry about tracking categories.
  • $0 annual fee. There is a $0 annual fee, so you don't have to worry about an annual fee reducing the value of the cash back you earn every month.
  • Cash back can be converted to points. Your cash back can be redeemed for Citi ThankYou Points at a value of $1 to 100 points. These points can be used to book travel, transfer to 17 airlines and more.
  • 0% intro APR on balance transfers. If you need to transfer a balance, this card offers an intro APR of 0% for 18 months on Balance Transfers (13.99% – 23.99% (Variable) thereafter).
  • No welcome bonus. This card does not currently offer a welcome bonus for new applicants.
  • Foreign transaction fee. If you make international purchases, you'll be charged an additional 3% foreign transaction fee.
  • Penalty fees up to $40. Be careful not to miss your payment due date, as Citi charges a late fee of $40, plus Citi may incur a penalty APR of 29.99% (Variable). Additionally, returned payments are up to $40 each.
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ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Citibank's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--fields-bottom\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E13.99% \u2013 23.99% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\u003C\/li\u003E\u003Cli\u003ETo earn cash back, pay at least the minimum due on time.\u003C\/li\u003E\u003Cli\u003EBalance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% \u2013 23.99%, based on your creditworthiness.\u003C\/li\u003E\u003Cli\u003EBalance Transfers do not earn cash back.\u003C\/li\u003E\u003Cli\u003EIf you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.\u003C\/li\u003E\u003Cli\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.\u003C\/li\u003E\u003Cli\u003EThe standard variable APR for Citi Flex Plan is 13.99% \u2013 23.99% based on your creditworthiness. 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After that, the variable APR will be 13.99% \\u2013 23.99%, based on your creditworthiness.\\u003C\\\/li\\u003E\\u003Cli\\u003EBalance Transfers do not earn cash back.\\u003C\\\/li\\u003E\\u003Cli\\u003EIf you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.\\u003C\\\/li\\u003E\\u003Cli\\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 13.99% \\u2013 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Cash rewards\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4595.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/710?url=_best-rewards-credit-cards\",\"name\":\"Citi\\u00ae Double Cash Card \\u2013 18 month BT offer\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EWith the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Double Cash Card: Outstanding cashback rewards, few other benefits\" href=\"https:\/\/www.valuepenguin.com\/citi-double-cash-card\"\u003ECiti\u00ae Double Cash Card \u2013 18 month BT offer\u003C\/a\u003E\u003C\/span\u003E card, you Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. That's one of the highest earning rates currently available for a cashback card. Though the card doesn't offer a sign-up bonus, its earnings will make up for that over time if you spend enough on it. This credit card has even more value now that you can convert your cash back into Citi ThankYou Points to redeem for travel or transfer to airline and retail partners \u2014 making the Citi\u00ae Double Cash Card \u2013 18 month BT offer one of the best rewards credit cards with $0 annual fee.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEarn a high rate of cash back on every purchase\u003C\/strong\u003E. The card gives you the same rate of cash back on every purchase, so you don't have to worry about tracking categories.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E$0 annual fee\u003C\/strong\u003E. There is a $0 annual fee, so you don't have to worry about an annual fee reducing the value of the cash back you earn every month.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ECash back can be converted to points\u003C\/strong\u003E. Your cash back can be redeemed for Citi ThankYou Points at a value of $1 to 100 points. These points can be used to book travel, transfer to 17 airlines and more.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E0% intro APR on balance transfers\u003C\/strong\u003E. If you need to transfer a balance, this card offers an intro APR of 0% for 18 months on Balance Transfers (13.99% \u2013 23.99% (Variable) thereafter).\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ENo welcome bonus\u003C\/strong\u003E. This card does not currently offer a welcome bonus for new applicants.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EForeign transaction fee\u003C\/strong\u003E. If you make international purchases, you'll be charged an additional 3% foreign transaction fee.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPenalty fees up to $40\u003C\/strong\u003E. Be careful not to miss your payment due date, as Citi charges a late fee of $40, plus Citi may incur a penalty APR of 29.99% (Variable). Additionally, returned payments are up to $40 each.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best credit card for cash rewards with rotating categories

Chase Freedom Flex℠

Rotating categories
Chase Freedom Flex℠
Apply Now
  • On Chase's Secure Website
Annual Fee

$0

APR

14.99% - 23.74% Variable

Credit Needed
?

Excellent/Good

Editor's Rating
?
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
+ see card details

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

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Our thoughts

For cardholders hankering do a little extra footwork to earn some bonus points, the Chase Freedom Flex℠ offers a great earning scheme: Earn 5% cash back on eligible purchases in rotating categories, Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases. You have to enroll in the card's rotating categories, which change each quarter. However, as long as you do so before the quarter ends, you'll earn 5% back on up to $1,500 in purchases under those categories (for up to $300 in bonus cash back each year). Also, unlike its counterpart, the Discover it® Cash Back , the Chase Freedom Flex℠ offers an ongoing bonus on other purchase categories (travel, dining and drugstores) at a very generous rate.

Even if you don't score big in the card's rotating categories, you can come out ahead in its ongoing categories. This makes the Chase Freedom Flex℠ one of the best cash rewards credit cards.

  • Rotating quarterly bonus categories. Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases. Activation is required.
  • Ongoing bonus on travel, dining and drugstores. In addition to the card's rotating bonus categories, you'll earn bonus cash back on travel and dining purchases.
  • Long intro APR. 0% Intro APR on Purchases for 15 months (then a 14.99% - 23.74% Variable APR applies)
  • Complimentary subscription to DashPash: Get three months of DashPash — DoorDash's subscription services that gives you $0 delivery fees on orders over $12. Then, get DashPash at a 50% discount for the next nine months. Activation required by 12/31/21.
  • Earn 5% cash on Lyft Rides. Earn 5% cash back on Lyft Rides (4% on top of the regular 1% earning rate) until March 2022.
  • Travel and purchase protections. Get a suite of protections for your purchases, including trip cancellation/interruption insurance and up to $1,000 in cell phone protection per year.
  • Pool your rewards with other Chase cards. The Chase Freedom Flex℠ is part of the Ultimate Rewards card family, meaning: You can transfer your rewards to certain cards, such as the Chase Sapphire Preferred® Card, and use them for travel to increase their value.
  • Must register to earn 5% cash back. In order to receive the 5% cash back, you need to register before the end of the quarter.
  • Limited to $1,500 in spending each quarter. The 5% bonus cash back is not unlimited. After reaching the limit, your purchases outside of the other bonus categories will earn only 1% cash back.
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23.74% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":90,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.\u003C\/li\u003E\u003Cli\u003EEarn 5% cash back on grocery store purchases (not including Target\u00ae or Walmart\u00ae purchases) on up to $12,000 spent in the first year.\u003C\/li\u003E\u003Cli\u003EEarn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 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Cash Back rewards do not expire as long as your account is open.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"14.99% - 23.74% Variable\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5% cash back on grocery store purchases (not including Target\\u00ae or Walmart\\u00ae purchases) on up to $12,000 spent in the first year.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5% on Chase travel purchased through Ultimate Rewards\\u00ae, 3% on dining and drugstores, and 1% on all other purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo annual fee.\\u003C\\\/li\\u003E\\u003Cli\\u003E0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":90,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Rotating categories\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4572.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1311?url=_best-rewards-credit-cards\",\"name\":\"Chase Freedom Flex\\u2120\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target\u00ae or Walmart\u00ae purchases) on up to $12,000 spent in the first year.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target\\u00ae or Walmart\\u00ae purchases) on up to $12,000 spent in the first year.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EFor cardholders hankering do a little extra footwork to earn some bonus points, the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Freedom Flex: Why This New Card Is a No-Brainer\" href=\"https:\/\/www.valuepenguin.com\/chase-freedom-flex-card\"\u003EChase Freedom Flex℠\u003C\/a\u003E\u003C\/span\u003E offers a great earning scheme: Earn 5% cash back on eligible purchases in \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Cash Back Calendar 2021: Q3 Categories Include Grocery Stores and Streaming Services\" href=\"https:\/\/www.valuepenguin.com\/credit-cards\/chase-cash-back-calendar\"\u003Erotating categories\u003C\/a\u003E\u003C\/span\u003E, Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases. You have to enroll in the card's rotating categories, which change each quarter. However, as long as you do so before the quarter ends, you'll earn 5% back on up to $1,500 in purchases under those categories (for up to $300 in bonus cash back each year). Also, unlike its counterpart, the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Discover it\u00ae Cash Back Credit Card Review: Is It A Good Value?\" href=\"https:\/\/www.valuepenguin.com\/discover-it-credit-card\"\u003EDiscover it\u00ae Cash Back\u003C\/a\u003E\u003C\/span\u003E , the Chase Freedom Flex℠ offers an ongoing bonus on other purchase categories (travel, dining and drugstores) at a very generous rate.\u003C\/p\u003E\n\n\u003Cp\u003EEven if you don't score big in the card's rotating categories, you can come out ahead in its ongoing categories. This makes the Chase Freedom Flex℠ one of the best cash rewards credit cards.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ERotating quarterly bonus categories\u003C\/strong\u003E. Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases. Activation is required.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EOngoing bonus on travel, dining and drugstores\u003C\/strong\u003E. In addition to the card's rotating bonus categories, you'll earn bonus cash back on travel and dining purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELong intro APR\u003C\/strong\u003E. 0% Intro APR on Purchases for 15 months (then a 14.99% - 23.74% Variable APR applies)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EComplimentary subscription to DashPash\u003C\/strong\u003E: Get three months of DashPash \u2014 DoorDash's subscription services that gives you $0 delivery fees on orders over $12. Then, get DashPash at a 50% discount for the next nine months. Activation required by 12\/31\/21.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEarn 5% cash on Lyft Rides\u003C\/strong\u003E. Earn 5% cash back on Lyft Rides (4% on top of the regular 1% earning rate) until March 2022.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETravel and purchase protections\u003C\/strong\u003E. Get a suite of protections for your purchases, including trip cancellation\/interruption insurance and up to $1,000 in cell phone protection per year.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPool your rewards with other Chase cards\u003C\/strong\u003E. The Chase Freedom Flex℠ is part of the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Rewards: Earning and Redeeming Chase Points\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards\"\u003EUltimate Rewards card\u003C\/a\u003E\u003C\/span\u003E family, meaning: You can transfer your rewards to certain cards, such as the Chase Sapphire Preferred\u00ae Card, and use them for travel to increase their value.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EMust register to earn 5% cash back\u003C\/strong\u003E. In order to receive the 5% cash back, you need to register before the end of the quarter.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELimited to $1,500 in spending each quarter\u003C\/strong\u003E. The 5% bonus cash back is not unlimited. After reaching the limit, your purchases outside of the other bonus categories will earn only 1% cash back.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best rewards credit card for gas rewards

Costco Anywhere Visa® Card by Citi

Gas
Costco Anywhere Visa® Card by Citi
Apply Now
  • On Citibank's Secure Website
Annual Fee

$0

APR

15.24% (Variable)

Credit Needed
?

Excellent

Editor's Rating
?
  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.
+ see card details

Our thoughts

The Costco Anywhere Visa® Card by Citi is an excellent option for gas purchase rewards, since it earns 4% cash back on up to $7,000 in gas purchased from any eligible gas station each year (not just Costco gas stations). It does not have an annual fee ($0) and also awards bonus cash back on dining, travel and Costco purchases.

  • Earn up to 4% cash back. You'll earn 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases.
  • $0 annual fee. Costco members pay $0 annual fee for this credit card.
  • Purchase protections. Eligible purchases are covered against damage or theft during the first 120 days (or 90 days for New York residents).
  • 0% foreign transaction fee. The Costco Anywhere Visa® Card by Citi is also a good travel companion, since it doesn't charge a fee on transactions made outside the U.S.
  • No welcome bonus. You will not earn a welcome bonus when signing up for this rewards credit card.
  • You earn Costco Cash Rewards. Instead of cash back that can be used anywhere, your earnings are Costco Cash Rewards which can only be used to make purchases at Costco. These rewards are issued once a year in February in the form of a certificate and must be used in a single Costco transaction.
  • If you cancel your Costco membership, you forfeit your rewards. If you cancel your membership before you receive your certificate in February, you lose all the cashback rewards for that year.
  • Must be a Costco member to apply. In order to apply, you must first join Costco and pay its membership fees starting at $60. If you are declined for the card, you're out the fees paid to join Costco.
  • Gas category is limited. You'll earn 4% cash back on the first $7,000 you spend on gas each year. Additional gas purchases earn just 1%.
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purchases\u003C\/li\u003E\u003Cli\u003ENo annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases\u003C\/li\u003E\u003Cli\u003EReceive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico\u003C\/li\u003E\u003Cli\u003EThe standard variable APR for Citi Flex Plan is 15.24%. 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Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EDiscover one of Citi's best cash back rewards cards designed exclusively for Costco members\\u003C\\\/li\\u003E\\u003Cli\\u003E4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter\\u003C\\\/li\\u003E\\u003Cli\\u003E3% cash back on restaurants and eligible travel purchases\\u003C\\\/li\\u003E\\u003Cli\\u003E2% cash back on all other purchases from Costco and Costco.com\\u003C\\\/li\\u003E\\u003Cli\\u003E1% cash back on all other purchases\\u003C\\\/li\\u003E\\u003Cli\\u003ENo annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases\\u003C\\\/li\\u003E\\u003Cli\\u003EReceive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 15.24%. 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The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Gas\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4424.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1030?url=_best-rewards-credit-cards\",\"name\":\"Costco Anywhere Visa\\u00ae Card by Citi\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Costco Anywhere Visa\u00ae Card by Citi Review: Is It A Good Value?\" href=\"https:\/\/www.valuepenguin.com\/costco-anywhere-visa-credit-card\"\u003ECostco Anywhere Visa\u00ae Card by Citi\u003C\/a\u003E\u003C\/span\u003E is an excellent option for gas purchase rewards, since it earns 4% cash back on up to $7,000 in gas purchased from any eligible gas station each year (not just Costco gas stations). It does not have an annual fee ($0) and also awards bonus cash back on dining, travel and Costco purchases.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEarn up to 4% cash back\u003C\/strong\u003E. You'll earn 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E$0 annual fee\u003C\/strong\u003E. Costco members pay $0 annual fee for this credit card.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPurchase protections\u003C\/strong\u003E. Eligible purchases are covered against damage or theft during the first 120 days (or 90 days for New York residents).\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E0% foreign transaction fee\u003C\/strong\u003E. The Costco Anywhere Visa\u00ae Card by Citi is also a good travel companion, since it doesn't charge a fee on transactions made outside the U.S.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ENo welcome bonus\u003C\/strong\u003E. You will not earn a welcome bonus when signing up for this rewards credit card.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EYou earn Costco Cash Rewards\u003C\/strong\u003E. Instead of cash back that can be used anywhere, your earnings are Costco Cash Rewards which can only be used to make purchases at Costco. These rewards are issued once a year in February in the form of a certificate and must be used in a single Costco transaction.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EIf you cancel your Costco membership, you forfeit your rewards\u003C\/strong\u003E. If you cancel your membership before you receive your certificate in February, you lose all the cashback rewards for that year.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EMust be a Costco member to apply\u003C\/strong\u003E. In order to apply, you must first join Costco and pay its membership fees starting at $60. If you are declined for the card, you're out the fees paid to join Costco.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EGas category is limited\u003C\/strong\u003E. You'll earn 4% cash back on the first $7,000 you spend on gas each year. Additional gas purchases earn just 1%.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best rewards credit card for grocery rewards

Blue Cash Preferred® Card from American Express

Grocery rewards
Blue Cash Preferred® Card from American Express
Apply Now
Annual Fee

$0 introductory annual fee for the first year, then $95

APR

13.99%-23.99% Variable

Credit Needed
?

Excellent/Good

Editor's Rating
?
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
+ see card details

Earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. Cash back is received in the form of a statement credit.

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Our thoughts

For people who are cooking at home and streaming more shows, the Blue Cash Preferred® Card from American Express is the ideal rewards credit card. You'll earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Rewards of $25 or more can be redeemed easily for statement credits toward your purchases.

For rates and fees of Blue Cash Preferred® Card from American Express, please click here.

  • Earn 6% cash back on U.S. supermarket purchases. You'll earn 6% cash back on the first $6,000 you spend each year at U.S. supermarkets.
  • Receive 6% cash back on streaming. Select U.S. streaming services also fall under the 6% cash back category.
  • 3% cash back on transportation. Earn 3% cash back on taxis, ride-sharing services, parking, tolls and more. Plus, you'll receive 3% for all of your gas station purchases.
  • Introductory 0% APR on purchases. You'll enjoy an intro APR of 0% on purchases for 12 months (13.99%-23.99% Variable APR thereafter). This gives you extra time to pay off your purchases without paying any interest.
  • Terms apply
  • Annual fee. The annual fee of $0 introductory annual fee for the first year, then $95 reduces the benefit of earning cash back. You'll need to spend almost $1,600 in groceries just to break even after paying the annual fee (but it's worth it for most grocery shoppers).
  • Foreign transaction fees. International purchases are charged a fee of 2.7% of each transaction after conversion to US dollars.
  • Penalty fees. If you pay late or have a payment returned, you'll pay up to $40 per incident.
  • Terms apply
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The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Grocery rewards\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4327.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/495?url=_best-rewards-credit-cards\",\"name\":\"Blue Cash Preferred\\u00ae Card from American Express\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Welcome Offer\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. Cash back is received in the form of a statement credit.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. Cash back is received in the form of a statement credit.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EFor people who are cooking at home and streaming more shows, the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Blue Cash Preferred from American Express Card: Big Cash Back, Small Annual Fee\" href=\"https:\/\/www.valuepenguin.com\/blue-cash-preferred-card\"\u003EBlue Cash Preferred\u00ae Card from American Express\u003C\/a\u003E\u003C\/span\u003E is the ideal rewards credit card. You'll earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis\/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Rewards of $25 or more can be redeemed easily for statement credits toward your purchases.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003EFor rates and fees of Blue Cash Preferred\u00ae Card from American Express, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"here\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/26129-10-0\/#terms-details?print\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEarn 6% cash back on U.S. supermarket purchases\u003C\/strong\u003E. You'll earn 6% cash back on the first $6,000 you spend each year at U.S. supermarkets.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EReceive 6% cash back on streaming\u003C\/strong\u003E. Select U.S. streaming services also fall under the 6% cash back category.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E3% cash back on transportation\u003C\/strong\u003E. Earn 3% cash back on taxis, ride-sharing services, parking, tolls and more. Plus, you'll receive 3% for all of your gas station purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EIntroductory 0% APR on purchases\u003C\/strong\u003E. You'll enjoy an intro APR of 0% on purchases for 12 months (13.99%-23.99% Variable APR thereafter). This gives you extra time to pay off your purchases without paying any interest.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee\u003C\/strong\u003E. The annual fee of $0 introductory annual fee for the first year, then $95 reduces the benefit of earning cash back. You'll need to spend almost $1,600 in groceries just to break even after paying the annual fee (but it's worth it for most grocery shoppers).\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EForeign transaction fees\u003C\/strong\u003E. International purchases are charged a fee of 2.7% of each transaction after conversion to US dollars.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPenalty fees\u003C\/strong\u003E. If you pay late or have a payment returned, you'll pay up to $40 per incident.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best rewards credit card for restaurant rewards

Capital One® Savor® Cash Rewards Credit Card

Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening

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Our thoughts

The Capital One® Savor® Cash Rewards Credit Card is one of the best rewards credit cards for people who like to eat at restaurants, attend events and have fun. You'll Earn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores and 1% on other purchases. It's a cashback card, which means rewards are simple to redeem – you can apply them as credits against purchases on your credit card statement at any time. The card comes with a $95 annual fee, but if you're a foodie and frequent event-goer, the rewards you earn can easily make up for that fee.

  • Unlimited 4% cash back on dining and entertainment. There is no limit to the amount of cash back you can earn when you eat out and have fun.
  • Earn 8% cash back on tickets. Through Jan. 31, 2023, you'll earn 8% cash back when buying concert, sports and event tickets through Vivid Seats.
  • Receive 3% cash back on groceries. For days when you want to eat in, you'll earn 3% cash back on purchases at the supermarket.
  • Annual fee of $95. Some of the best rewards credit cards come without an annual fee, or give you a year with a $0 fee, but that isn’t the case here. To break even on the $95 annual fee, you'll need to spend almost $2,400 each year on dining and entertainment. For some cardholders, the $0-annual-fee Capital One SavorOne Cash Rewards Credit Card could be a better option.
  • No balance transfer promotion. Although you will not pay a fee for transferring a balance, you will not receive a 0% APR promotion with this card.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"Capital\"\u003ECapital One\u00ae Savor\u00ae Cash Rewards Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One Savor Cash Rewards Credit Card Review: Is It Worth Applying?\" href=\"https:\/\/www.valuepenguin.com\/capital-one-savor-rewards-credit-card\"\u003ECapital One\u00ae Savor\u00ae Cash Rewards Credit Card\u003C\/a\u003E\u003C\/span\u003E is one of the best rewards credit cards for people who like to eat at restaurants, attend events and have fun. You'll Earn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores and 1% on other purchases. It's a cashback card, which means rewards are simple to redeem \u2013 you can apply them as credits against purchases on your credit card statement at any time. The card comes with a $95 annual fee, but if you're a foodie and frequent event-goer, the rewards you earn can easily make up for that fee.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EUnlimited 4% cash back on dining and entertainment\u003C\/strong\u003E. There is no limit to the amount of cash back you can earn when you eat out and have fun.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEarn 8% cash back on tickets\u003C\/strong\u003E. Through Jan. 31, 2023, you'll earn 8% cash back when buying concert, sports and event tickets through Vivid Seats.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EReceive 3% cash back on groceries\u003C\/strong\u003E. For days when you want to eat in, you'll earn 3% cash back on purchases at the supermarket.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee of $95\u003C\/strong\u003E. Some of the best rewards credit cards come without an annual fee, or give you a year with a $0 fee, but that isn\u2019t the case here. To break even on the $95 annual fee, you'll need to spend almost $2,400 each year on dining and entertainment. For some cardholders, the $0-annual-fee Capital One SavorOne Cash Rewards Credit Card could be a better option.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ENo balance transfer promotion\u003C\/strong\u003E. Although you will not pay a fee for transferring a balance, you will not receive a 0% APR promotion with this card.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best hotel rewards credit card

Hilton Honors American Express Aspire Card

Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.

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Our thoughts

The Hilton Honors American Express Aspire Card is Hilton's luxury-level credit card with very lucrative benefits for frequent travelers and guests of Hilton hotels. You'll receive automatic Diamond status and an annual free weekend night. Big spenders can even earn a second free weekend night each year. Plus, there is a $250 annual resort credit that you can use at Hilton to pay for eligible resort charges.

This offer and/or promotion may have since changed, expired, or is no longer available.

  • Complimentary Hilton Honors Diamond Status. Cardholders automatically receive Hilton Honors Diamond status, which offers a 100% bonus on your base-point earnings from paid stays, room upgrades and more. Typically, you need 15 stays, 30 nights or 60,000 base points to earn Diamond elite status.
  • Free weekend night rewards. You'll receive one free weekend night upon approval and each year that you renew your card. Additionally, you can earn a second free weekend night after spending $60,000 in a calendar year.
  • Annual Hilton resort statement credit. You can use up to $250 in resort credits each year on eligible purchases you make at participating Hilton locations.
  • Generous bonus points on purchases. 14X Hilton Honors Bonus Points per $1 of eligible purchases on your Card directly with a participating Hilton hotel or resort. That's an extremely generous earning rate.
  • Terms apply
  • Annual fee of $450. The annual fee is one of the highest for a hotel credit card. Occasional travelers may not receive enough benefit to justify the high annual fee.
  • High spending required to earn a second free weekend night. To earn the second free weekend night, cardholders must spend $60,000 in a calendar year. This will be difficult to achieve for many households.
  • Terms apply
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"Hilton\"\u003EHilton Honors American Express Aspire Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton Honors American Express Aspire Card: Is It Worth $450?\" href=\"https:\/\/www.valuepenguin.com\/travel\/american-express-hilton-honors-aspire-credit-card\"\u003EHilton Honors American Express Aspire Card\u003C\/a\u003E\u003C\/span\u003E is Hilton's luxury-level credit card with very lucrative benefits for frequent travelers and guests of Hilton hotels. You'll receive automatic Diamond status and an annual free weekend night. Big spenders can even earn a second free weekend night each year. Plus, there is a $250 annual resort credit that you can use at Hilton to pay for eligible resort charges.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003EThis offer and\/or promotion may have since changed, expired, or is no longer available.\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EComplimentary Hilton Honors Diamond Status\u003C\/strong\u003E. Cardholders automatically receive \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton Honors Rewards Program: Maximizing the Value of Honors Points\" href=\"https:\/\/www.valuepenguin.com\/travel\/hilton-hhonors-rewards-program\"\u003EHilton Honors\u003C\/a\u003E\u003C\/span\u003E Diamond status, which offers a 100% bonus on your base-point earnings from paid stays, room upgrades and more. Typically, you need 15 stays, 30 nights or 60,000 base points to earn Diamond elite status.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EFree weekend night rewards\u003C\/strong\u003E. You'll receive one free weekend night upon approval and each year that you renew your card. Additionally, you can earn a second free weekend night after spending $60,000 in a calendar year.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual Hilton resort statement credit\u003C\/strong\u003E. You can use up to $250 in resort credits each year on eligible purchases you make at participating Hilton locations.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EGenerous bonus points on purchases\u003C\/strong\u003E. 14X Hilton Honors Bonus Points per $1 of eligible purchases on your Card directly with a participating Hilton hotel or resort. That's an extremely generous earning rate.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee of $450\u003C\/strong\u003E. The annual fee is one of the highest for a hotel credit card. Occasional travelers may not receive enough benefit to justify the high annual fee.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EHigh spending required to earn a second free weekend night\u003C\/strong\u003E. To earn the second free weekend night, cardholders must spend $60,000 in a calendar year. This will be difficult to achieve for many households.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best airline rewards credit card

Delta SkyMiles® Platinum American Express Card

Airline rewards
Delta SkyMiles® Platinum American Express Card
Apply Now
Annual Fee

$250

APR

15.74%-24.74% Variable

Credit Needed
?

Excellent/Good

Editor's Rating
?
  • Limited Time Offer: Earn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.*Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
+ see card details

Earn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend 3,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021. $100 in statement credits for eligible purchases at US restaurants.

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Our thoughts

Travelers who fly regularly with Delta Air Lines will love the benefits from the Delta SkyMiles® Platinum American Express Card. It provides an annual companion pass certificate and an accelerated path to Medallion status based on your spending. Plus, Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.

For rates and fees of Delta SkyMiles® Platinum American Express Card, please click here.

  • Annual companion certificate. Cardholders receive a main cabin companion certificate each year to have a companion accompany them free of charge, save for taxes and fees (up to $75 for the fare).
  • First checked bag free. The first checked bag is free on Delta flights for the cardholder and up to eight travelers on the same itinerary while traveling with Delta. That's a savings of $240 for a family of four on a round-trip flight.
  • Priority boarding for you and your companions. No matter which ticket you buy, you'll receive priority boarding with Main Cabin 1 for you and up to eight companions on the same itinerary.
  • Reach Medallion status faster. The Delta Platinum card earns up to 20,000 MQMs per year based on your purchases. You'll receive 10,000 MQMs for every $25,000 you spend, up to two times per calendar year. Additionally, the MQD requirements for
  • Annual fee of $250. The higher annual fee may not cover the benefits received for occasional travelers or low spenders. To maximize the benefits of this card, you should plan to spend at least $25,000 per year to earn the MQMs and MQD waiver for elite status.
  • $39 fee for airport lounge access. Delta SkyMiles® Platinum American Express Card members may access the Delta Sky Club airport lounges, however, there is a fee of $39 per person, which is pretty pricey. Cardholders may bring up to two guests with them into the lounge, but they must pay the fee as well.
  • Companion certificate is for Main Cabin only. If you're flying first or business class, your companion won't be able to sit with you.
  • Terms apply
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ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-platinum-american-express-card\/26129-10-0#offer-terms\" rel=\"nofollow\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--fields-bottom\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$250\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E15.74%-24.74% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003ELimited Time Offer: Earn 90,000 Bonus Miles and 10,000 Medallion\u00ae Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 11\/10\/2021.\u003C\/li\u003E\u003Cli\u003EEarn up to 20,000 Medallion\u00ae Qualification Miles (MQMs) with Status Boost\u00ae per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion\u00ae Status. MQMs are used to determine Medallion\u00ae Status and are different than miles you earn toward flights.\u003C\/li\u003E\u003Cli\u003EEarn 3X Miles on Delta purchases and purchases made directly with hotels.\u003C\/li\u003E\u003Cli\u003EEarn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.\u003C\/li\u003E\u003Cli\u003EEarn 1X Miles on all other eligible purchases.\u003C\/li\u003E\u003Cli\u003EReceive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.*Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.\u003C\/li\u003E\u003Cli\u003EEnjoy your first checked bag free on Delta flights.\u003C\/li\u003E\u003Cli\u003EFee Credit for Global Entry or TSA Pre\u2713\u00ae.\u003C\/li\u003E\u003Cli\u003EEnjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club\u00ae for you and up to two guests when traveling on a Delta flight.\u003C\/li\u003E\u003Cli\u003ENo Foreign Transaction Fees.\u003C\/li\u003E\u003Cli\u003E$250 Annual Fee.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$250\",\"apr\":\"15.74%-24.74% Variable\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/delta-skymiles-platinum-american-express-card\\\/26129-10-0#offer-terms\\\" rel=\\\"nofollow\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003ELimited Time Offer: Earn 90,000 Bonus Miles and 10,000 Medallion\\u00ae Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 11\\\/10\\\/2021.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn up to 20,000 Medallion\\u00ae Qualification Miles (MQMs) with Status Boost\\u00ae per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion\\u00ae Status. MQMs are used to determine Medallion\\u00ae Status and are different than miles you earn toward flights.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 3X Miles on Delta purchases and purchases made directly with hotels.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 1X Miles on all other eligible purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003EReceive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.*Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy your first checked bag free on Delta flights.\\u003C\\\/li\\u003E\\u003Cli\\u003EFee Credit for Global Entry or TSA Pre\\u2713\\u00ae.\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club\\u00ae for you and up to two guests when traveling on a Delta flight.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo Foreign Transaction Fees.\\u003C\\\/li\\u003E\\u003Cli\\u003E$250 Annual Fee.\\u003C\\\/li\\u003E\\u003Cli\\u003ETerms Apply.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Airline rewards\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4330.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/53?url=_best-rewards-credit-cards\",\"name\":\"Delta SkyMiles\\u00ae Platinum American Express Card\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Welcome Offer\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend 3,000 in purchases on your new Card in your first 3 months. Offer expires 11\/10\/2021. $100 in statement credits for eligible purchases at US restaurants.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend 3,000 in purchases on your new Card in your first 3 months. Offer expires 11\\\/10\\\/2021. $100 in statement credits for eligible purchases at US restaurants.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003ETravelers who fly regularly with Delta Air Lines will love the benefits from the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Delta SkyMiles\u00ae Platinum Credit Card from American Express\" href=\"https:\/\/www.valuepenguin.com\/delta-platinum-skymiles-credit-card\"\u003EDelta SkyMiles\u00ae Platinum American Express Card\u003C\/a\u003E\u003C\/span\u003E. It provides an annual companion pass certificate and an accelerated path to Medallion status based on your spending. Plus, Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003EFor rates and fees of Delta SkyMiles\u00ae Platinum American Express Card, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"here\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-platinum-american-express-card\/26129-10-0#offer-terms\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual companion certificate\u003C\/strong\u003E. Cardholders receive a main cabin companion certificate each year to have a companion accompany them free of charge, save for taxes and fees (up to $75 for the fare).\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EFirst checked bag free\u003C\/strong\u003E. The \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Delta Baggage Fees: Here's What You Need to Know\" href=\"https:\/\/www.valuepenguin.com\/travel\/delta-baggage-fees\"\u003Efirst checked bag is free on Delta flights\u003C\/a\u003E\u003C\/span\u003E for the cardholder and up to eight travelers on the same itinerary while traveling with Delta. That's a savings of $240 for a family of four on a round-trip flight.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPriority boarding for you and your companions\u003C\/strong\u003E. No matter which ticket you buy, you'll receive priority boarding with Main Cabin 1 for you and up to eight companions on the same itinerary.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EReach Medallion status faster\u003C\/strong\u003E. The Delta Platinum card earns up to 20,000 MQMs per year based on your purchases. You'll receive 10,000 MQMs for every $25,000 you spend, up to two times per calendar year. Additionally, the MQD requirements for \u003Cspan\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee of $250\u003C\/strong\u003E. The higher annual fee may not cover the benefits received for occasional travelers or low spenders. To maximize the benefits of this card, you should plan to spend at least $25,000 per year to earn the MQMs and MQD waiver for elite status.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E$39 fee for airport lounge access\u003C\/strong\u003E. Delta SkyMiles\u00ae Platinum American Express Card members may access the Delta Sky Club airport lounges, however, there is a fee of $39 per person, which is pretty pricey. Cardholders may bring up to two guests with them into the lounge, but they must pay the fee as well.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ECompanion certificate is for Main Cabin only\u003C\/strong\u003E. If you're flying first or business class, your companion won't be able to sit with you.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best business rewards credit card

The Business Platinum Card® from American Express

Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003E Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. \u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Our thoughts

The Business Platinum Card® from American Express offers many lucrative benefits for small business owners. It features up to $400 in credits toward air travel and Dell Technologies purchases each year, making up most of the card's $595 annual fee if you take advantage of them. You'll earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.

Unlike typical Amex cards, the card allows you to carry a balance for certain charges, but not all.

This offer and/or promotion may have since changed, expired, or is no longer available.

  • Up to $200 per year in Dell credits. You'll receive up to $100 in statement credits for Dell purchases from January to June, and up to another $100 from July to December each year. Enrollment required.
  • Access to Global Lounge Collection. Cardholders can use more than 1,300 airport lounges across 140 countries, including American Express Centurion Lounges, Priority Pass lounges and more.
  • 35% airline bonus on redemptions. When you pay with points when booking flights, you'll get 35% of those points back. This benefit has a maximum of 500,000 points per year, and you only earn the bonus with one airline that you must designate at the beginning of the year. Enrollment required.
  • Automatic hotel elite status. Cardholders receive automatic Hilton Honors Gold and Marriott Bonvoy Gold status. Enrollment required.
  • Terms apply
  • High annual fee. There is a $595 annual fee for the primary cardholder.
  • Terms apply
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"The\"\u003EThe Business Platinum Card\u00ae from American Express\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. \u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. \\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Business Platinum Card From American Express Review: Is the High Annual Fee Worth It?\" href=\"https:\/\/www.valuepenguin.com\/american-express-business-platinum-card\"\u003EThe Business Platinum Card\u00ae from American Express\u003C\/a\u003E\u003C\/span\u003E offers many lucrative benefits for small business owners. It features up to $400 in credits toward air travel and Dell Technologies purchases each year, making up most of the card's $595 annual fee if you take advantage of them. You'll earn 5X Membership Rewards\u00ae points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards\u00ae points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.\u003C\/p\u003E\n\n\u003Cp\u003EUnlike typical Amex cards, the card allows you to carry a balance for certain charges, but not all.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003EThis offer and\/or promotion may have since changed, expired, or is no longer available.\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EUp to $200 per year in Dell credits\u003C\/strong\u003E. You'll receive up to $100 in statement credits for Dell purchases from January to June, and up to another $100 from July to December each year. Enrollment required.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAccess to Global Lounge Collection\u003C\/strong\u003E. Cardholders can use more than 1,300 airport lounges across 140 countries, including American Express Centurion Lounges, Priority Pass lounges and more.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E35% airline bonus on redemptions\u003C\/strong\u003E. When you \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"How Much Are Amex Points Worth? A Value Analysis\" href=\"https:\/\/www.valuepenguin.com\/travel\/american-express-membership-rewards-comprehensive-guide\"\u003Epay with points\u003C\/a\u003E\u003C\/span\u003E when booking flights, you'll get 35% of those points back. This benefit has a maximum of 500,000 points per year, and you only earn the bonus with one airline that you must designate at the beginning of the year. Enrollment required.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAutomatic hotel elite status\u003C\/strong\u003E. Cardholders receive automatic Hilton Honors Gold and Marriott Bonvoy Gold status. Enrollment required.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EHigh annual fee\u003C\/strong\u003E. There is a $595 annual fee for the primary cardholder.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best rewards credit card for bad credit

Discover it® Secured Credit Card

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. Just a dollar-for-dollar match.

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Our thoughts

People who are working to build or rebuild their credit will like the Discover it® Secured Credit Card. Unlike many cards geared toward people with lower credit scores, the Discover it® Secured Credit Card offers a good cash rewards program. Plus, Discover matches any cash back earned at the end of the first year for new cardholders, basically doubling all the rewards that you earn. After eight months, Discover performs automatic monthly reviews to see if your secured card can be transitioned to one without a security deposit. If you keep your payments timely, you'll be well on your way to better credit.

  • Cashback matches the first year. All of the cash back that you earn during the first year will be matched by Discover with no limits.
  • Earn rewards on your purchases. 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically
  • You choose your security deposit. Your credit line equals your security deposit. Security deposits start at just $200.
  • Automatic reviews after eight months. After eight months, Discover will review your card automatically to see if you qualify to transition to an unsecured credit card.
  • Free FICO Score. You can track your progress toward building your credit with a free FICO Score online, through its app and on your monthly statement.
  • Credit limit is based on your security deposit. Your maximum credit limit is decided by your security deposit. Customers may have trouble saving for a larger deposit.
  • Security deposit does not earn interest. You will not earn interest on your security deposit.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"Discover\"\u003EDiscover it\u00ae Secured Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E 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. Just a dollar-for-dollar match. \u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E 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. Just a dollar-for-dollar match. \\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EPeople who are working to build or rebuild their credit will like the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Discover it Secured card review\" href=\"https:\/\/www.valuepenguin.com\/discover-it-secured-credit-card\"\u003EDiscover it\u00ae Secured Credit Card\u003C\/a\u003E\u003C\/span\u003E. Unlike many cards geared toward people with lower credit scores, the Discover it\u00ae Secured Credit Card offers a good cash rewards program. Plus, Discover matches any cash back earned at the end of the first year for new cardholders, basically doubling all the rewards that you earn. After eight months, Discover performs automatic monthly reviews to see if your secured card can be transitioned to one without a security deposit. If you keep your payments timely, you'll be well on your way to better credit.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ECashback matches the first year\u003C\/strong\u003E. All of the cash back that you earn during the first year will be matched by Discover with no limits.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEarn rewards on your purchases\u003C\/strong\u003E. 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EYou choose your security deposit\u003C\/strong\u003E. Your credit line equals your security deposit. Security deposits start at just $200.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAutomatic reviews after eight months\u003C\/strong\u003E. After eight months, Discover will review your card automatically to see if you qualify to transition to an unsecured credit card.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EFree FICO Score\u003C\/strong\u003E. You can track your progress toward building your credit with a free FICO Score online, through its app and on your monthly statement.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ECredit limit is based on your security deposit\u003C\/strong\u003E. Your maximum credit limit is decided by your security deposit. Customers may have trouble saving for a larger deposit.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ESecurity deposit does not earn interest\u003C\/strong\u003E. You will not earn interest on your security deposit.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Honorable mentions

Chase Sapphire Preferred® Card

Honorable mention
Chase Sapphire Preferred® Card
Apply Now
  • On Chase's Secure Website
Annual Fee

$95

APR

15.99% - 22.99% Variable

Credit Needed
?

Excellent

Editor's Rating
?
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points 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, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
+ see card details

Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.

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Our thoughts

The Chase Sapphire Preferred® Card is a good travel rewards credit card for people who want to earn flexible points. It earns 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases. You can redeem those points practically any way you please – for travel through Chase's Ultimate Rewards® portal for a 25% bonus, for cash back, and many other options. You can also transfer points to one of Chase's airline or hotel partners at a 1:1 ratio. Plus, the card comes with other good travel benefits, including $0 foreign transaction fees and primary rental car insurance.

  • Points are worth 25% more on travel. When you redeem your Ultimate Rewards points for travel, they are worth 1.25 cents when redeemed through the Chase Ultimate Rewards® travel portal.
  • Transfer to 13 hotel and airline partners. Your points can be transferred on a 1:1 basis to hotels and airline partners.
  • Primary rental car protection. Your rental car is covered with primary rental car protection against theft or damage.
  • Redeem points for cash back. If you need to close the card and cash out the points, you can count on getting a decent value for them – cashback redemptions are 1 cent per point.
  • Coronavirus updates. Until Sept. 30, 2021, cardholders can use the "Pay Yourself Back" feature to get 1.25 cents per point redeemed for statement credits on grocery stores, home improvement, or restaurant purchases.
  • Chase 5/24 Rule limits ability to apply. If you've opened five or more new credit cards from any bank in the last 24 months, you are unable to open this card.
  • $95 annual fee. While the card's benefits, including a generous sign-up bonus, are easily worth the fee, you'll have to factor it into the equation.

Capital One Venture Rewards Credit Card

Honorable mention
Capital One Venture Rewards Credit Card
Apply Now
  • On Capital One's Secure Website
Annual Fee

$95

APR

17.24% - 24.49% (Variable)

Credit Needed
?

Excellent/Good

Editor's Rating
?
  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 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 $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
+ see card details

Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel.

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Our thoughts

The Capital One Venture Rewards Credit Card makes it easy to redeem rewards for travel purchases. You earn an unlimited 2 Miles per dollar on every purchase, every day, then "erase" your travel charges up to 90 days after with the rewards that you've earned by using Capital One's Purchase Eraser feature to receive an account credit for these purchases. Its loyalty program has turned into one of the best flexible points programs with the addition of airline and hotel transfer partners.

  • The same high rewards rate on every purchase. You'll earn 2 Miles per dollar on every purchase, every day without any limits.
  • TSA Precheck or Global Entry reimbursement. Get reimbursed up to $100 for application fees once every four years.
  • Transfer miles to airline and hotel partners. Capital One has added 15+ airline and hotel loyalty programs that you can transfer miles to. The value of those transferred rewards will vary depending on the partner, but you can sometimes find good deals among some of these programs.
  • Annual fee of $95. There is an annual fee of $95, which reduces the value of the rewards you earn. You'll need to consider whether or not you’d earn enough miles to break even.
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22.99% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EOur best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards\u00ae.\u003C\/li\u003E\u003Cli\u003EEnjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards\u00ae, 3X points on dining and 2X points on all other travel purchases, plus more.\u003C\/li\u003E\u003Cli\u003EGet 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards\u00ae. For example, 100,000 points are worth $1,250 toward travel.\u003C\/li\u003E\u003Cli\u003EWith Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.\u003C\/li\u003E\u003Cli\u003EGet unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12\/31\/21.\u003C\/li\u003E\u003Cli\u003ECount on Trip Cancellation\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.\u003C\/li\u003E\u003Cli\u003EGet up to $60 back on an eligible Peloton Digital or All-Access Membership through 12\/31\/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$95\",\"apr\":\"15.99% - 22.99% Variable\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EOur best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards\\u00ae.\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards\\u00ae, 3X points on dining and 2X points on all other travel purchases, plus more.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards\\u00ae. For example, 100,000 points are worth $1,250 toward travel.\\u003C\\\/li\\u003E\\u003Cli\\u003EWith Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12\\\/31\\\/21.\\u003C\\\/li\\u003E\\u003Cli\\u003ECount on Trip Cancellation\\\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet up to $60 back on an eligible Peloton Digital or All-Access Membership through 12\\\/31\\\/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Honorable mention\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4709.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/92?url=_best-rewards-credit-cards\",\"name\":\"Chase Sapphire Preferred\\u00ae Card\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EOur best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards\u00ae.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EOur best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards\\u00ae.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Sapphire Preferred\u00ae Card Review: Does It Live Up to The Hype?\" href=\"https:\/\/www.valuepenguin.com\/chase-sapphire-preferred\"\u003EChase Sapphire Preferred\u00ae Card\u003C\/a\u003E\u003C\/span\u003E is a good travel rewards credit card for people who want to earn flexible points. It earns 5X points on travel purchased through Chase Ultimate Rewards\u00ae, 3X points on dining and 2X points on all other travel purchases. You can redeem those points practically any way you please \u2013 for travel through Chase's Ultimate Rewards\u00ae portal for a 25% bonus, for cash back, and many other options. You can also transfer points to one of Chase's airline or hotel partners at a 1:1 ratio. Plus, the card comes with other good travel benefits, including $0 foreign transaction fees and primary rental car insurance.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPoints are worth 25% more on travel\u003C\/strong\u003E. When you redeem your \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"How to Earn Chase Ultimate Rewards Points\" href=\"https:\/\/www.valuepenguin.com\/travel\/how-to-earn-chase-ultimate-rewards-points\"\u003EUltimate Rewards points\u003C\/a\u003E\u003C\/span\u003E for travel, they are worth 1.25 cents when redeemed through the Chase Ultimate Rewards\u00ae travel portal.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETransfer to 13 hotel and airline partners\u003C\/strong\u003E. Your points can be transferred on a 1:1 basis to hotels and airline partners.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPrimary rental car protection\u003C\/strong\u003E. Your rental car is covered with primary rental car protection against theft or damage.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ERedeem points for cash back\u003C\/strong\u003E. If you need to close the card and cash out the points, you can count on getting a decent value for them \u2013 cashback redemptions are 1 cent per point.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ECoronavirus updates\u003C\/strong\u003E. Until Sept. 30, 2021, cardholders can use the \"Pay Yourself Back\" feature to get 1.25 cents per point redeemed for statement credits on grocery stores, home improvement, or restaurant purchases.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EChase 5\/24 Rule limits ability to apply\u003C\/strong\u003E. If you've opened five or more new credit cards from any bank in the last 24 months, you are unable to open this card.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E$95 annual fee\u003C\/strong\u003E. While the card's benefits, including a generous sign-up bonus, are easily worth the fee, you'll have to factor it into the equation.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Ch3 id=\"Rewards\"\u003ECapital One Venture Rewards Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003EHonorable mention\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-left AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/88?url=_best-rewards-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Capital One Venture Rewards Credit Card\"\u003E\u003Cimg alt=\"Capital One Venture Rewards Credit Card\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4686.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/88?url=_best-rewards-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Capital One's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--fields-bottom\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$95\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E17.24% - 24.49% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":90,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEnjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel\u003C\/li\u003E\u003Cli\u003EEarn unlimited 2X miles on every purchase, every day\u003C\/li\u003E\u003Cli\u003EMiles won't expire for the life of the account and there's no limit to how many you can earn\u003C\/li\u003E\u003Cli\u003EReceive up to $100 application fee credit for Global Entry or TSA Pre\u2713\u00ae\u003C\/li\u003E\u003Cli\u003ERedeem on travel\u2014including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs\u003C\/li\u003E\u003Cli\u003ENo foreign transaction fees\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$95\",\"apr\":\"17.24% - 24.49% (Variable)\",\"bannerDisclaimers\":[\"On Capital One's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEnjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn unlimited 2X miles on every purchase, every day\\u003C\\\/li\\u003E\\u003Cli\\u003EMiles won't expire for the life of the account and there's no limit to how many you can earn\\u003C\\\/li\\u003E\\u003Cli\\u003EReceive up to $100 application fee credit for Global Entry or TSA Pre\\u2713\\u00ae\\u003C\\\/li\\u003E\\u003Cli\\u003ERedeem on travel\\u2014including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs\\u003C\\\/li\\u003E\\u003Cli\\u003ENo foreign transaction fees\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":90,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Honorable mention\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4686.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/88?url=_best-rewards-credit-cards\",\"name\":\"Capital One Venture Rewards Credit Card\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEnjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEnjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One Venture Rewards Credit Card Review\" href=\"https:\/\/www.valuepenguin.com\/travel\/capital-one-venture-rewards-credit-card\"\u003ECapital One Venture Rewards Credit Card\u003C\/a\u003E\u003C\/span\u003E makes it easy to redeem rewards for travel purchases. You earn an unlimited 2 Miles per dollar on every purchase, every day, then \"erase\" your travel charges up to 90 days after with the rewards that you've earned by using Capital One's Purchase Eraser feature to receive an account credit for these purchases. Its loyalty program has turned into one of the best flexible points programs with the addition of airline and hotel transfer partners.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EThe same high rewards rate on every purchase\u003C\/strong\u003E. You'll earn 2 Miles per dollar on every purchase, every day without any limits.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETSA Precheck or Global Entry reimbursement\u003C\/strong\u003E. Get reimbursed up to $100 for application fees once every four years.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETransfer miles to airline and hotel partners\u003C\/strong\u003E. Capital One has added \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One Transfer Partners: What You Need to Know\" href=\"https:\/\/www.valuepenguin.com\/news\/capital-one-transfer-partners\"\u003E15+ airline and hotel loyalty programs\u003C\/a\u003E\u003C\/span\u003E that you can transfer miles to. The value of those transferred rewards will vary depending on the partner, but you can sometimes find good deals among some of these programs.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee of $95\u003C\/strong\u003E. There is an annual fee of $95, which reduces the value of the rewards you earn. You'll need to consider whether or not you\u2019d earn enough miles to break even.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Compare ValuePenguin’s best rewards credit cards

Credit Card
Introductory Offer
Rewards
Annual Fee
Travel Chase Sapphire Reserve®
Chase Sapphire Reserve®
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.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$550
Apply Now
  • On Chase's Secure Website
Cash rewards " Citi® Double Cash Card – 18 month BT offer
Citi® Double Cash Card – 18 month BT offer
No bonusEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.$0
Apply Now
  • On Citibank's Secure Website
Rotating categories Chase Freedom Flex℠
Chase Freedom Flex℠
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases.$0
Apply Now
  • On Chase's Secure Website
Show All Rows

What is a rewards credit card?

When picking the best rewards credit card for you, its important to choose between earning cash back or points or miles for travel.

Most rewards credit cards earn one or the other, but some credit cards earn flexible points that can be redeemed for both travel and cash back, along with many other options.

For cardholders who travel frequently enough to use the benefits, travel cards are usually the better way to go. When you redeem points for cash back instead of travel, the value of your rewards is often lower. Travel redemptions, on the other hand, generally offer the highest value when redeeming for premium flights, high-end hotels or during popular travel periods.

Are cashback rewards worth it?

In 2017, American Express, Discover and Capital One spent a combined $12.9 billion on credit card rewards according to our study.

It depends on the card. If you own a travel rewards card, you'll most likely gain the most value from your rewards by redeeming for travel. If you're not traveling at the moment, it's still worthwhile to redeem your rewards for cash back rather than letting your points balances collect dust. But if you're an active traveler, you should avoid cash back as a redemption option to maximize your rewards.

Types of travel cards

Travel credit cards are popular because you can earn travel rewards with your spending. Additionally, many travel cards offer elite status and other perks that save money and improve how you travel.

Most travelers would do well by having one card of each type: a credit card for the airline and hotel that they use most often, plus a flexible points card that they can use for other travel expenses.

  • Airline cards
    • Earn miles to redeem rewards
    • Often provide free checked bags, priority boarding and discounts on in-flight purchases
    • Best airline miles cards
  • Hotel cards
    • Typically provide automatic elite status
    • Frequently offer a free night each year at eligible hotel properties
    • Earn higher elite status based on your spending
    • Best hotel credit cards
  • Flexible points cards
    • Best for people who are unsure of which airline or hotel to use
    • Points earned can be redeemed for cash back, to book travel or to transfer to airline and hotel partners
    • Provide numerous choices when redeeming rewards
    • Best flexible points cards
{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Ch2 id=\"types\"\u003ETypes of travel cards\u003C\/h2\u003E\n\n\u003Cp\u003ETravel credit cards are popular because you can earn travel rewards with your spending. Additionally, many travel cards offer elite status and other perks that save money and improve how you travel.\u003C\/p\u003E\n\n\u003Cp\u003EMost travelers would do well by having one card of each type: a credit card for the airline and hotel that they use most often, plus a flexible points card that they can use for other travel expenses.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAirline cards\u003C\/strong\u003E\n \u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn miles to redeem rewards\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Often provide free checked bags, priority boarding and discounts on in-flight purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Credit Cards for Airline Miles\" href=\"https:\/\/www.valuepenguin.com\/travel\/best-airlines-miles-credit-cards\"\u003EBest airline miles cards\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EHotel cards\u003C\/strong\u003E\n \u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Typically provide automatic elite status\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Frequently offer a free night each year at eligible hotel properties\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn higher elite status based on your spending\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Best Hotel Credit Cards\" href=\"https:\/\/www.valuepenguin.com\/travel\/best-hotel-credit-cards\"\u003EBest hotel credit cards\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EFlexible points cards\u003C\/strong\u003E\n \u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Best for people who are unsure of which airline or hotel to use\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Points earned can be redeemed for cash back, to book travel or to transfer to airline and hotel partners\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Provide numerous choices when redeeming rewards\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Best Travel Credit Cards (Earn Up To 60,000 points)\" href=\"https:\/\/www.valuepenguin.com\/travel\/best-travel-credit-cards\"\u003EBest flexible points cards\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Defining your points and miles strategy

Before you start earning miles and points, you should have an end goal in mind. It gives you something to strive for and measure your progress against. Think about a vacation you want to plan and determine how many airline miles or hotel points you'll need. The credit card that you apply for should help you get closer to that goal.

The value of credit card rewards points will depend per program and redemption option. To calculate the value of your points, use this simple equation:

Cash price* ÷ Number of points needed for redemption

= Points value

* Check to see if taxes and fees are included in your award

To learn more about some of the most popular airline and hotel loyalty programs, use the links below.

Airline loyalty programs

Hotel loyalty programs

Where and when do you want to travel?

When picking a rewards credit card, it helps to think about when and where you want to travel. Go to the hotel's website and ensure that it has properties where you want to travel. And make sure that the airline flies to your preferred destination.

How do you want to redeem your rewards?

There are many options when it comes to redeeming your rewards. Some of them offer more value than others, and not all are available with every program. Here are a few of the most popular redemption options for your rewards:

  • Booking a flight
  • Reserving a hotel room
  • Redeem for gift cards
  • Deposit cash into your bank account
  • Book a rental car
  • Shop online

Which travel rewards program fits your needs?

When picking a travel rewards program to earn miles and points in, make sure that it fits your needs. Look at where the airline flies to and where the hotel has locations. If the hotel or airline doesn't serve your desired destination, the program isn't right for you at this time.

For example

If you want to fly to Europe in first class, earning Southwest Rapid Rewards points is not the way to go. All Southwest Airlines routes are in the Western hemisphere – primarily in the U.S., Mexico, Central America and the Caribbean.

Additionally, Southwest doesn't offer first-class seating. So, your dreams of sipping champagne in first class on your way to Paris are not possible with this airline.

How to choose a rewards credit card

There are four main categories of rewards credit cards – cash back, airline miles, hotel points and flexible points. The type of credit card you choose will depend upon which of these categories of rewards is best suited to meet your goals.

Think about which categories you spend the most money on. Find a credit card that gives bonus rewards for spending at retailers in those categories. For example, if you travel and dine out often, look for cards that offer bonuses on travel and restaurant purchases.

Finding a card with a large sign-up offer can jump-start your rewards earnings. However, you should review how much spending is required to earn it and how long you have to meet that hurdle. It may be the biggest bonus you've ever seen, but if you can't reasonably spend that much in the time allowed, you won't earn it. For example, some credit cards require spending $3,000 within three months of being approved.

Not all points are created equal. In general, airline points are primarily used to book flights for a specific airline and hotel points are used to reserve hotel rooms for a specific hotel chain. Some airline and hotel loyalty programs partner with other businesses to allow you to redeem your rewards for other uses.

Flexible point programs, such as Chase Ultimate Rewards and American Express Membership Rewards, tend to have the greatest number of redemption options, including cash back, booking travel or transfering to airline and hotel partners.

Note that when you redeem your points for cash back instead of travel, the value of your rewards is often lower.

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If you have specific goals in mind, then you should pick a card that earns rewards towards that goal. If not, then a flexible points card tends to be best because of the greater number of redemption options that it provides.

When picking a flexible points credit card, look at which airlines and hotels the bank partners with. Generally, there is not much overlap, so you'll want to pick a flexible points credit card that partners with your preferred airline or hotel (for example, American Express for Delta Air Lines).

Whether or not to pay an annual fee is a personal decision. Some people are against paying an annual fee for a credit card. But, if the rewards you earn and the benefits you receive are worth it, paying an annual fee can make a lot of sense.

For example, some hotel credit cards offer one free night each year after paying an annual fee of $100 or less. Depending upon how it is redeemed, that free night can be worth much more than the annual fee that you paid.

Travel credit cards often include a number of other benefits which can save you money and improve your travel. Some of these perks can be just as valuable (if not more) than the rewards you earn. Examples of these benefits include:

  • Airport lounge access
  • Primary or secondary rental car protection
  • Concierge services
  • TSA Precheck or Global Entry application reimbursement
  • Lost baggage protection
  • Flight delay or cancellation coverage

How to compare credit card offers

After reading about these rewards credit cards, you may be tempted to apply for several all at once. It is better to take it slow and easy by starting with one at a time. Here's how to compare credit card offers to decide which one is best for you.

Determine how much you spend each year and in which categories. Calculate the potential rewards you'll earn based on these amounts and the bonus categories offered by the credit card.

Compare the welcome bonuses offered by each credit card and determine if one is easier to achieve than the other. If you cannot reasonably spend enough to meet the minimum spend requirement, that card is not right for you.

Calculate the number of points required to redeem for your goal. How many points are required for you to be able to book your flight or hotel stay? Based on your normal spending, how long will it take you to earn those points?

The annual fee that you pay reduces the value of the rewards that you earn. Make sure that you're earning enough rewards to offset the annual fee and still book your travel.

Some benefits are hard to place a value on and often depend on how frequently those benefits are used. In some cases, those additional perks are worth more than the welcome bonus or the rewards earned on your spending.


Below is a chart comparing the Capital One Venture Rewards Credit Card against the Chase Sapphire Preferred® Card. There are pros and cons to each card and your personal spending habits and goals will determine which one is right for you.

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Earning rate2 Miles per dollar on every purchase, every day5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases.
Points/miles earned ($3,600 dining and travel, $14,400 on other purchases)36,00021,600
Sign-up bonusEnjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel.Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
Target redemption optionTravel statement credit (worth 1 cent/mile)Transfer to Southwest airlines (worth 1.6 cents/point)
Value of rewards(36,000 + 60,000 ) x 1 cent = $960(21,600 + 100,000) x 1.6 cents = $1,945.60
Annual fee$95$95
First year value$865$1,850.60
Other benefits
  • No foreign transaction fees
  • $100 credit for Global Entry/TSA Precheck
  • Extended warranty
  • Roadside assistance
  • Secondary car rental insurance
  • $0 foreign transaction fees
  • Extended warranty
  • Purchase protection
  • Free DashPass subscription for one year
  • Trip cancellation/interruption insurance
  • Baggage delay insurance
  • Primary car rental insurance
Apply Now
  • On Capital One's Secure Website
Apply Now
  • On Chase's Secure Website

How to maximize a rewards credit card

Credit card rewards can be very lucrative. In order to maximize your rewards credit card, you should follow these steps:

  1. Spend enough to earn the welcome bonus.
  2. Pay your balance off in full each month.
  3. Use your rewards credit card for all of your purchases.
  4. Know which cards earn bonus rewards at different retailers.
  5. Use an online shopping portal for extra rewards when making online purchases.
  6. Stack rewards by registering your credit card with free programs like Dosh and Rewards Network.
  7. Review the benefits of your rewards credit card to ensure you're not missing out on hidden perks.
  8. Add an authorized user to share benefits and earn additional rewards on their spending.

What is the best credit card for rewards?

The right card is one that matches your goals and the way you spend. This is a personal decision and what card is right for one person, may not be right for another. Think about where you spend the most money and what's most important (cash back, miles or points), then choose a card that works best for you. If you're having trouble picking one, start with a flexible points credit card. The ability to earn credit card rewards today, then choose between cash back, booking travel or transferring to partners at a later date is a great feature of these cards.

Are credit card rewards taxable?

The IRS treats credit card rewards as a rebate on your purchases, therefore the rewards that you earn are generally not considered taxable. However, some banks issue 1099s when you earn rewards for referring your friends and family to apply.

Are credit card rewards worth it?

Credit card rewards are worth it if you use them effectively and plan ahead. There are countless stories of people going on amazing vacations thanks to the rewards that they've earned from their credit cards.

Should you carry a balance on a rewards credit card?

If you are unable to pay off your balance in full each month and end up paying interest on your balances, then credit card rewards might not be a good fit right now. A better option may be to find a credit card with a low interest rate or balance transfer offer to help you pay off your debt quickly.

How do credit card rewards work?

Credit card rewards are earned whenever you use your credit card to make a purchase. The bank charges the merchant a percentage of the transaction and shares a portion of that with you in the form of rewards. These rewards can be cash back, airline miles, hotel points, flexible points and others. Some credit cards offer additional rewards when spending with certain categories of merchants, like grocery stores, to encourage you to use the card at these stores.

How do you redeem credit card rewards?

Redemption of rewards works differently for each rewards program and what type of redemption you are making. In almost all cases, you'll log into your rewards website and follow the instructions. Here are some redemption options: cash back - deposit cash into your bank account, request a check, or credit to your bill; airline miles - search for a flight and book using miles; hotel points - choose your hotel location and travel dates, then redeem points; flexible points - redeem for cash back, book travel, or transfer to hotel and airline partners.

Do credit card rewards expire?

The expiration of rewards varies from card to card. Rewards from many programs never expire as long as your account is open and active. However, some rewards have a defined lifespan. Read the fine print or search for ValuePenguin articles about whichever rewards program you choose.

What is a credit card rewards program?

Credit card rewards programs are how banks incentivize customers to use their credit cards to make purchases. These programs vary from bank to bank, but you'll generally earn either cash back, hotel points, airline miles or flexible points.

What is the best credit card rewards program?

There are many credit card rewards programs available and each one is best suited for a specific type of customer. Consider what type of rewards are most important to you and which categories you spend the most when choosing your next rewards credit card.

What is the best no-annual-fee rewards credit card?

The Chase Freedom Flex℠ is one of the best no-annual-fee rewards credit cards, as you'll earn valuable points through ongoing and rotating categories. Although this is branded as a cashback card, you'll actually earn rewards through the Chase Ultimate Rewards program — arguably one of the best rewards credit card programs out there. You can redeem your points for cash back, travel, gift cards and more.

Is 2% a good cash back rate?

Yes. The Citi® Double Cash Card – 18 month BT offer, among several other cards offer the opportunity to earn 2% cash back. This is a great deal, especially considering there are no confusing categories to keep up with. While other cards can offer higher percentages on certain categories, an unlimited 2% cashback offer allows you to earn double the points, no matter the purchase.

What are cashback rewards?

Cashback rewards are when you receive a portion of your purchase back in cash. Instead of needing to memorize complicated redemption strategies and being unsure how much your rewards are worth, cashback rewards are simple and straightforward.

What are credit card points?

Credit card points are a form of rewards that can be used to book travel, redeem for cash back or other options. Most rewards credit cards earn a base number of points per dollar spent, with bonus points earned for specific categories that vary from card to card. The value of these points depends upon which program they're in and how you plan on redeeming them.

Why do credit cards give rewards?

Banks give rewards when you spend on your credit card because they charge the merchant a percentage of the transaction every time you swipe your card. The bank gives you a portion of this fee and keeps the rest for itself to pay expenses and make a profit. Although many people pay their credit cards off in full each month, not everyone does. The bank also makes money by charging interest to people who carry a balance from month-to-month.

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

For rates and fees of Delta SkyMiles® Platinum American Express Card, please click here.

The information related to the Discover it® Cash Back, Capital One® Savor® Cash Rewards Credit Card, Hilton Honors American Express Aspire Card, The Business Platinum Card® from American Express and Discover it® Secured Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).