Do credit card rewards expire?

Typically, credit card rewards don’t expire for the life of your account. That means your rewards won’t expire as long as you keep your account open and in good standing. However, make sure to read your rewards program’s terms and conditions carefully since this isn’t guaranteed for all cards.

Are credit card rewards taxable?

Generally, rewards are not considered taxable since the IRS considers the rewards to be a form of rebate on the purchase. Though uncommon, rewards may be taxable if they’re received under circumstances like bonus offers without a spending requirement. Make sure to look at the credit card’s terms to see the conditions of how you can receive and redeem bonus rewards.

What credit score do I need for a rewards card?

You typically need good to excellent credit (FICO score 670 and higher) to qualify for a competitive rewards card. Premium travel cards might require an excellent credit score (FICO score of 800 and above). You can also find rewards cards for people with fair credit, but the rewards and perks might be limited.

Best Rewards Credit Cards of May 2024

Nouri Zarrugh<\/a>, Senior Editor, Credit Cards What we love: <\/strong>This card\u2019s terrific mix of everyday bonus categories makes it a top pick if you want a single card that earns rewards on food and fun. You\u2019ll earn an excellent unlimited cash back rate at restaurants, grocery stores (excluding superstores like Walmart\u00ae and Target\u00ae) and even on many <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//capital-one-savor-cards-entertainment-category///">entertainment purchases<\/a> that don\u2019t typically earn credit card rewards \u2014 like tickets to movies, sporting events and more. Learn more: <\/strong><a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//is-capital-one-savorone-worth-it///">Is the Capital One SavorOne worth it?<\/a> Alternative: <\/strong>If you don\u2019t spend much at the grocery store or on entertainment, then the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//capital-one-savorone-cash-rewards-vs-chase-freedom-unlimited///">Chase Freedom Unlimited\u00ae may be a better option<\/a>. You'll have plenty of chances to earn cash back in multiple bonus categories (including dining) and a fair flat rate for all other eligible purchases. <\/div>","pros_and_cons_header":"Editor's take","pros":["It\u2019s easily one of the most well-rounded rewards cards available thanks to its generous cash back rates and variety, accessible welcome offer and long intro APR periods.","It offers automatic cash back redemption \u2014 a relatively rare option that can make the rewards experience even easier."],"cons":["Superstores and wholesale clubs like Walmart, Target, BJ\u2019s and Sam\u2019s Club do not count for elevated rewards rates, which may limit your potential earnings.","You can redeem cash rewards on Amazon.com, but there is a list of <a href=https://www.bankrate.com/"https:////www.amazon.com//gp//help//customer//display.html?nodeId=G4MVF6PVLLARQACD\%22 target=\"_blank\" rel=\"noopener\" >restricted items<\/a>."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"71fc3028-f969-4277-bfe4-1ceb9856c34c","name":"Capital One","type":"tag","image":null,"value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"d87d39e2-fea5-40fc-aa9e-6375c17ff8de","name":"Grocery","type":"tag","image":null,"value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'rewards' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >

BEST OVERALL

Capital One SavorOne Cash Rewards Credit Card

5.0

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Apply now

on Capital One's secure site

See Rates & Fees

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Recommended Credit

Intro offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

1% - 8%

Rewards rate

8% Cash Back on Capital One Entertainment purchases 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®) 1% Cash Back on all other purchases

Annual fee

Regular APR

- 8% 8% Cash Back on Capital One Entertainment purchases
- 5% 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
- 1% 1% Cash Back on all other purchases
Why it’s the best overall: "If I had to pick one rewards card to use for all of my spending, this would be near the top of my list. Its low cost and great rewards rate in some of my most important everyday spending categories mean it offers terrific standalone value. It’s an even better fit now that I have a Capital One travel card and can transfer rewards to it (and maybe even squeeze more value out of them)." — Nouri Zarrugh, Senior Editor, Credit Cards

What we love: This card’s terrific mix of everyday bonus categories makes it a top pick if you want a single card that earns rewards on food and fun. You’ll earn an excellent unlimited cash back rate at restaurants, grocery stores (excluding superstores like Walmart® and Target®) and even on many entertainment purchases that don’t typically earn credit card rewards — like tickets to movies, sporting events and more.

Learn more: Is the Capital One SavorOne worth it?

Alternative: If you don’t spend much at the grocery store or on entertainment, then the Chase Freedom Unlimited® may be a better option. You'll have plenty of chances to earn cash back in multiple bonus categories (including dining) and a fair flat rate for all other eligible purchases.
Pros

It’s easily one of the most well-rounded rewards cards available thanks to its generous cash back rates and variety, accessible welcome offer and long intro APR periods.

It offers automatic cash back redemption — a relatively rare option that can make the rewards experience even easier.

Cons

Superstores and wholesale clubs like Walmart, Target, BJ’s and Sam’s Club do not count for elevated rewards rates, which may limit your potential earnings.

You can redeem cash rewards on Amazon.com, but there is a list of restricted items.

Discover/u2019s cash back calendar<\/a> usually is packed with essential everyday categories, so there are plenty of opportunities to rake in cash back if you don\u2019t mind strategizing where and when to shop each quarter. This impressive card also boasts market-low rates and fees and a valuable cash back match welcome offer at the end of the first year. Learn more: <\/strong><a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reasons-to-love-discover-it-cash-back///">Why expert Holly Johnson loves the Discover it\u00ae Cash Back<\/a> Alternative: <\/strong>If you\u2019re looking to maximize your seasonal spending rewards, you may get <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//discover-it-cash-back-vs-chase-freedom///">more value<\/a> from the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//chase-freedom///">Chase Freedom Flex\u2120<\/a> thanks to its rotating bonus categories plus year-round 3 percent dining and drugstore categories, which can give you more cash back to lean on if a quarterly category doesn\u2019t align with your spending. <\/div>","pros_and_cons_header":"Editor's take","pros":["It\u2019s one of the best cash back cards on the market if you\u2019re looking for minimal fees: no annual fee, foreign transaction fees, penalty APR or fee on your first late payment (up to $41 after that). You\u2019ll also enjoy solid intro APR offers and a decent ongoing APR.","Its rotating bonus category variety is nearly unmatched, typically including everything from groceries to online shopping."],"cons":["You must activate and track your bonus categories each quarter, which could make the card too high-maintenance for some applicants.","The card carries hardly any additional features (like travel insurance or other credits) beyond its rewards and low rates and fees.","It has a quarterly spending cap for bonus categories."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":48,"name":"Discover miles","active_rate":{"id":49,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"a9517b73-c09d-467a-b5e7-079552895d0b","name":"Free Credit Score","type":"tag","image":"c921b548023dc6f855952e83fcfca848.png","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"92d8b110-c8fb-4ee5-95d4-1c5ad80a215b","name":"Mobile Pay Ready","type":"tag","image":"c9a039a1830fa29723ae3591721396ec.png","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"29a9ea46-95f9-4d3a-a5d0-7c41fe94c220","name":"Popular","type":"tag","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"0492fa1d-84a8-493e-a0b2-eebf18ffbefd","name":"Price Protection","type":"tag","image":"962b66cf9ebead0f099a67dad29bc23c.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"5a2b1232-c3af-46ec-b9e9-e6f0e6f28f57","name":"Rotating Cash Back Categories","type":"tag","image":"","value":null},{"id":"217f7b22-d808-447a-a401-743919cb8bc1","name":"Unsecured credit card","type":"tag","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"586170e7-c9a9-4720-9961-acfa39d119c3","name":"Zero Fraud Liability","type":"tag","image":"7f303633e8c906a4a36c040425d50a31.png","value":null}]})" x-show="selectedCategory === 'rewards' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >

Best for category variety

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Recommended Credit

Intro offer

Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

1% - 5%

Rewards rate

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

Annual fee

Regular APR

- 5% Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
- 1% Plus, earn unlimited 1% cash back on all other purchases - automatically.
What we love: Discover’s cash back calendar usually is packed with essential everyday categories, so there are plenty of opportunities to rake in cash back if you don’t mind strategizing where and when to shop each quarter. This impressive card also boasts market-low rates and fees and a valuable cash back match welcome offer at the end of the first year.

Learn more: Why expert Holly Johnson loves the Discover it® Cash Back

Alternative: If you’re looking to maximize your seasonal spending rewards, you may get more value from the Chase Freedom Flex℠ thanks to its rotating bonus categories plus year-round 3 percent dining and drugstore categories, which can give you more cash back to lean on if a quarterly category doesn’t align with your spending.
Pros

It’s one of the best cash back cards on the market if you’re looking for minimal fees: no annual fee, foreign transaction fees, penalty APR or fee on your first late payment (up to $41 after that). You’ll also enjoy solid intro APR offers and a decent ongoing APR.

Its rotating bonus category variety is nearly unmatched, typically including everything from groceries to online shopping.

Cons

You must activate and track your bonus categories each quarter, which could make the card too high-maintenance for some applicants.

The card carries hardly any additional features (like travel insurance or other credits) beyond its rewards and low rates and fees.

It has a quarterly spending cap for bonus categories.

Expert Aja McClanahan discusses if the Wells Fargo Active Cash is worth it<\/a> Alternative: <\/strong>The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//citi-double-cash-card///">Citi Double Cash\u00ae Card<\/a> may be a better option if you\u2019re looking for a long intro APR balance transfer offer. The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//chase-freedom-unlimited///">Chase Freedom Unlimited\u00ae<\/a> could also be more valuable thanks to its additional 3 percent cash back categories. <\/div>","pros_and_cons_header":"Editor's take","pros":["Paying your monthly cellphone bill with your card earns you cellphone protection, a relatively valuable perk.","You can redeem your rewards as physical cash in $20 increments when you use a Wells Fargo ATM \u2014 a convenient option missing from many rewards cards."],"cons":["Though it comes with Visa Signature\u00ae features, the Active Cash card's extra perks are otherwise limited.","You cannot transfer rewards to airline or hotel loyalty programs and can only redeem through Wells Fargo."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[]})" x-show="selectedCategory === 'rewards' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >

Best for flat-rate cash rewards

Wells Fargo Active Cash® Card

4.3

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Apply now

on Wells Fargo's secure site

See Rates & Fees

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Recommended Credit

Intro offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

2%

Rewards rate

Earn unlimited 2% cash rewards on purchases

Annual fee

Regular APR

- 2% Earn unlimited 2% cash rewards on purchases
What we love: This well-rounded card carries one of the highest flat cash rewards rates available. Since there’s no need to track categories or jump through additional hoops, it’s an especially good fit if you prefer a simple cash rewards structure.

Learn more: Expert Aja McClanahan discusses if the Wells Fargo Active Cash is worth it

Alternative: The Citi Double Cash® Card may be a better option if you’re looking for a long intro APR balance transfer offer. The Chase Freedom Unlimited® could also be more valuable thanks to its additional 3 percent cash back categories.
Pros

Paying your monthly cellphone bill with your card earns you cellphone protection, a relatively valuable perk.

You can redeem your rewards as physical cash in $20 increments when you use a Wells Fargo ATM — a convenient option missing from many rewards cards.

Cons

Though it comes with Visa Signature® features, the Active Cash card's extra perks are otherwise limited.

You cannot transfer rewards to airline or hotel loyalty programs and can only redeem through Wells Fargo.

Why expert Nicole Dieker loves the Capital One Quicksilver<\/a> Alternative: <\/strong>A <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//why-you-should-have-a-2-percent-cash-back-card///">few flat-rate rewards cards easily beat <\/a>the Quicksilver due to its low rewards rate, including the Wells Fargo Active Cash (unlimited 2 percent cash rewards) and the Chase Freedom Unlimited (bonus rewards on dining and drugstore purchases as well as a flat 1.5 percent rewards rate on general purchases). <\/div>","pros_and_cons_header":"Editor's take","pros":["The card\u2019s welcome bonus is one of the easiest to earn with a low spend requirement.","You can earn rewards with minimal effort before graduating to a higher-maintenance card that offers better rewards rates."],"cons":["Even compared to other cash back cards available with no annual fee, its perks are limited.","Some rival cards offer unlimited 2 percent cash back on all purchases while still charging no annual fee."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"71fc3028-f969-4277-bfe4-1ceb9856c34c","name":"Capital One","type":"tag","image":null,"value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"23a4c35d-7528-4051-b373-fd0d352ed37e","name":"Dining","type":"tag","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'rewards' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >

Best starter rewards card

Capital One Quicksilver Cash Rewards Credit Card

3.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Apply now

on Capital One's secure site

See Rates & Fees

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Recommended Credit

Intro offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

1.5% - 5%

Rewards rate

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply Earn unlimited 1.5% cash back on every purchase, every day

Annual fee

Regular APR

- 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 1.5% Earn unlimited 1.5% cash back on every purchase, every day
What we love: If you’re new to rewards and want to keep things simple, this card’s straightforward rewards program should be a terrific fit. Add in perks like an intro APR and the ability to redeem rewards automatically and this card should be a well-rounded starter option.

Learn more: Why expert Nicole Dieker loves the Capital One Quicksilver

Alternative: A few flat-rate rewards cards easily beat the Quicksilver due to its low rewards rate, including the Wells Fargo Active Cash (unlimited 2 percent cash rewards) and the Chase Freedom Unlimited (bonus rewards on dining and drugstore purchases as well as a flat 1.5 percent rewards rate on general purchases).
Pros

The card’s welcome bonus is one of the easiest to earn with a low spend requirement.

You can earn rewards with minimal effort before graduating to a higher-maintenance card that offers better rewards rates.

Cons

Even compared to other cash back cards available with no annual fee, its perks are limited.

Some rival cards offer unlimited 2 percent cash back on all purchases while still charging no annual fee.

BEST FOR EASY-TO-EARN CREDITS

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Recommended Credit

Intro offer

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

$600

Offer valuation

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

1X - 5X

Rewards rate

Earn unlimited 5X points on hotels Earn unlimited 4X points on airlines Earn unlimited 3X points on other travel and restaurants Earn 1X points on other purchases

Annual fee

Regular APR

- 5X Earn unlimited 5X points on hotels
- 4X Earn unlimited 4X points on airlines
- 3X Earn unlimited 3X points on other travel and restaurants
- 1X Earn 1X points on other purchases
What we love: Though the card carries an annual fee ($95), it should be easy to offset thanks to the $50 statement credit you can earn each year you make a $50 minimum airline purchase. Earning this should be no problem even for occasional travelers. Plus, you aren’t forced to use the credit toward future airfare or hotel bookings as you are with some competing travel cards.

Alternatives: The Chase Sapphire Preferred® Card is one of its main competitors since it also carries a $95 annual fee and earns rewards in many of the same categories. It has a leg up when it comes to redemption, though, since its points are worth 25 percent more when you use them to book Chase travel.
Pros

Redemption is flexible: You can use rewards for travel and cash back without worrying about point values, or you can transfer to one of the issuer’s new airline and hotel partners.

It carries a decent mix of practical travel perks, including lost baggage reimbursement and trip cancellation protection that can reimburse you up to $15,000 for lodging, flights, and activities if your trip is canceled for a covered reason.

Cons

It offers a different rewards rate for hotels, airfare and other travel, making it a bit harder to keep up with than a mid-tier card that offers a flat rewards rate on all travel purchases.

You can only stack travel points with the Wells Fargo Autograph℠ Card, and several of its bonus categories overlap with the Autograph Journey card’s.

the Venture X worth it<\/a> for both occasional and frequent travelers who want top-tier perks at a lower cost than competing luxury cards. Learn more: <\/strong><a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//capital-one-venture-x-vacation-rentals///">Why the Capital One Venture X is great for saving on your next trip<\/a> Alternative: <\/strong>If you don't think you'll use <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//venture-x-benefits-guide///">Venture X\u2019s features<\/a>, consider a lower-cost travel card instead. The base Venture card also earns a flat 2X miles, while the Chase Sapphire Preferred can offer higher redemption value and other bonus categories beyond travel. <\/div>","pros_and_cons_header":"Editor's take","pros":["Since the card\u2019s travel perks make it easy to offset the annual fee, you won\u2019t have to worry about offsetting the card\u2019s cost with earning enough rewards.","You\u2019ll also enjoy Visa Infinite benefits (including exclusive travel concierge service) and the Capital One Travel portal\u2019s AI-powered pricing perks for more affordable bookings."],"cons":["It\u2019s missing a number of the luxury benefits you\u2019ll find on rival cards, like an annual CLEAR membership credit, complimentary hotel or airline loyalty status and other airline hotel and restaurant partner perks.","Its biggest drawback is perhaps Capital One\u2019s lack of major domestic airline partners, which limits the value of your miles compared to rewards on other travel cards."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"id":"71fc3028-f969-4277-bfe4-1ceb9856c34c","name":"Capital One","type":"tag","image":null,"value":null},{"id":"b17b1bcc-ec4b-4a1c-a85f-2dbd94992429","name":"Points","type":"tag","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'rewards' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >

Best for affordable travel perks

Capital One Venture X Rewards Credit Card

5.0

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Apply now

on Capital One's secure site

See Rates & Fees

Excellent (740 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Recommended Credit

Intro offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

$1275

Offer valuation

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

2 Miles - 10 Miles

Rewards rate

10 Miles per dollar on hotels and rental cars booked through Capital One Travel 5 Miles per dollar on flights booked through Capital One Travel 2 Miles per dollar on every purchase, every day

Annual fee

Regular APR

- 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
- 5 Miles 5 Miles per dollar on flights booked through Capital One Travel
- 2 Miles 2 Miles per dollar on every purchase, every day
What we love: Yearly perks like $300 in annual credits for Capital One travel bookings can make the Venture X worth it for both occasional and frequent travelers who want top-tier perks at a lower cost than competing luxury cards.

Learn more: Why the Capital One Venture X is great for saving on your next trip

Alternative: If you don't think you'll use Venture X’s features, consider a lower-cost travel card instead. The base Venture card also earns a flat 2X miles, while the Chase Sapphire Preferred can offer higher redemption value and other bonus categories beyond travel.
Pros

Since the card’s travel perks make it easy to offset the annual fee, you won’t have to worry about offsetting the card’s cost with earning enough rewards.

You’ll also enjoy Visa Infinite benefits (including exclusive travel concierge service) and the Capital One Travel portal’s AI-powered pricing perks for more affordable bookings.

Cons

It’s missing a number of the luxury benefits you’ll find on rival cards, like an annual CLEAR membership credit, complimentary hotel or airline loyalty status and other airline hotel and restaurant partner perks.

Its biggest drawback is perhaps Capital One’s lack of major domestic airline partners, which limits the value of your miles compared to rewards on other travel cards.

Is the Chase Freedom Unlimited worth it?<\/a> Alternatives:<\/strong> A 2 percent <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//best-flat-rate-cash-back-credit-cards///">flat-rate cash back card<\/a> like the Citi Double Cash\u00ae Card could be better if you\u2019re focused on flat-rate rewards. A card designed for everyday spending, like the Capital One SavorOne Cash Rewards Credit Card or the Blue Cash Everyday\u00ae Card from American Express could also be more lucrative as a standalone option.<\/div>","pros_and_cons_header":"Editor's take","pros":["With solid earning rates, a decent sign-up bonus, and a strong intro APR offer, this is a great card for any rewards enthusiast.","You can combine this card\u2019s rewards with other premium Chase rewards to unlock more value through travel redemptions and partners."],"cons":["A few rival no-annual-fee cards carry a higher rewards rate on general spending.","The welcome offer could require more effort to earn the typical $200 value other cards can deliver."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":null,"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"359b3d84-5159-4735-a230-3003f76f4d78","name":"Concierge Service","type":"tag","image":"9a88b402c09f511d28190e3d832d539f.png","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"00bbe7db-3636-476a-ba54-abc0f930f4e2","name":"Extended Warranty Program","type":"tag","image":"9cebe165fee20278a857330672d7df78.png","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"d87d39e2-fea5-40fc-aa9e-6375c17ff8de","name":"Grocery","type":"tag","image":null,"value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"92d8b110-c8fb-4ee5-95d4-1c5ad80a215b","name":"Mobile Pay Ready","type":"tag","image":"c9a039a1830fa29723ae3591721396ec.png","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"29a9ea46-95f9-4d3a-a5d0-7c41fe94c220","name":"Popular","type":"tag","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"08393e8c-655e-47b5-b126-43b3810d5643","name":"Purchase Protection","type":"tag","image":"9524b9f2b1d3c84068061b9c0f720bcd.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"d8cff18e-7d0a-4a25-b61e-c3a21ec2dc2d","name":"Travel Accident Insurance","type":"tag","image":"9148b97046b15a99a3744622d7b3b285.png","value":null},{"id":"217f7b22-d808-447a-a401-743919cb8bc1","name":"Unsecured credit card","type":"tag","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"586170e7-c9a9-4720-9961-acfa39d119c3","name":"Zero Fraud Liability","type":"tag","image":"7f303633e8c906a4a36c040425d50a31.png","value":null}]})" x-show="selectedCategory === 'rewards' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >

BEST CARD FOR EVERYDAY SPENDING

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Recommended Credit

Intro offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

1.5% - 5%

Rewards rate

Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service 1.5% on all other purchases

Annual fee

Regular APR

- 5% Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- 1.5% 1.5% on all other purchases
What we love: This unique card not only earns an elevated rewards rate on all purchases, but also gives you an edge over similar cards with its year-round dining and drugstore bonus categories. If you want to pick one card and stick with it, this is a great choice.

Learn more: Is the Chase Freedom Unlimited worth it?

Alternatives: A 2 percent flat-rate cash back card like the Citi Double Cash® Card could be better if you’re focused on flat-rate rewards. A card designed for everyday spending, like the Capital One SavorOne Cash Rewards Credit Card or the Blue Cash Everyday® Card from American Express could also be more lucrative as a standalone option.
Pros

With solid earning rates, a decent sign-up bonus, and a strong intro APR offer, this is a great card for any rewards enthusiast.

You can combine this card’s rewards with other premium Chase rewards to unlock more value through travel redemptions and partners.

Cons

A few rival no-annual-fee cards carry a higher rewards rate on general spending.

The welcome offer could require more effort to earn the typical $200 value other cards can deliver.

Maximizing the Blue Cash Preferred<\/a> could make it perhaps the most rewarding card for groceries year-round \u2014 especially if you\u2019re a commuter or part of a family or household that spends a lot at U.S. supermarkets and U.S. gas stations. What\u2019s more, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//blue-cash-preferred-american-express-benefits///">annual credits<\/a> and elevated rates for other everyday expenses like transit, select U.S. streaming services and U.S. gas station purchases make it a more well-rounded card. Learn more: <\/strong><a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//why-i-love-amex-blue-cash-preferred///">Why expert Ted Rossman loves the Blue Cash Preferred<\/a> Alternative: <\/strong>A flat-rate card like the Wells Fargo Active Cash Card could provide better value at superstores (like Target and Walmart) or wholesale clubs (like Costco or Sam\u2019s Club). And if the annual fee is a deal-breaker, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//blue-cash-everyday-card-from-american-express///">Blue Cash Everyday\u00ae Card from American Express<\/a> or the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//bank-of-america-cash-rewards-credit-card///">Bank of America\u00ae Customized Cash Rewards credit card<\/a> may work for smaller budgets.<\/div>","pros_and_cons_header":"Editor's take","pros":["The card also offers unlimited 6 percent back on select U.S. streaming subscriptions \u2014 one of the best rates available in that category.","Few premium cards offer intro APR periods, but this card provides an intro APR on purchases and balance transfers \u2014 handy for chipping away at the cost of large expenses over time."],"cons":["Your only redemption options are statement credits, gift cards or merchandise.","Purchases at wholesale clubs, superstores (like Walmart), and specialty stores (bakeries, farmers markets, etc.) are excluded from the card\u2019s U.S. supermarket bonus category and only earn 1 percent back."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"5900eb9d-4173-4f4d-9f32-10d5ca28b196","name":"American Express","type":"tag","image":null,"value":null},{"id":"5705fd86-50da-4c7f-b57b-83b40752af98","name":"Balance Transfer","type":"tag","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'rewards' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >

Best for groceries

Blue Cash Preferred® Card from American Express

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Apply now

on American Express's secure site

See Rates & Fees , Terms Apply

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Recommended Credit

Intro offer

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

1% - 6%

Rewards rate

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 on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations 1% Cash Back on other purchases

Annual fee

APR

- 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% 6% Cash Back on select U.S. streaming subscriptions.
- 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 3% 3% Cash Back at U.S. gas stations
- 1% 1% Cash Back on other purchases
What we love: Maximizing the Blue Cash Preferred could make it perhaps the most rewarding card for groceries year-round — especially if you’re a commuter or part of a family or household that spends a lot at U.S. supermarkets and U.S. gas stations. What’s more, the annual credits and elevated rates for other everyday expenses like transit, select U.S. streaming services and U.S. gas station purchases make it a more well-rounded card.

Learn more: Why expert Ted Rossman loves the Blue Cash Preferred

Alternative: A flat-rate card like the Wells Fargo Active Cash Card could provide better value at superstores (like Target and Walmart) or wholesale clubs (like Costco or Sam’s Club). And if the annual fee is a deal-breaker, the Blue Cash Everyday® Card from American Express or the Bank of America® Customized Cash Rewards credit card may work for smaller budgets.
Pros

The card also offers unlimited 6 percent back on select U.S. streaming subscriptions — one of the best rates available in that category.

Few premium cards offer intro APR periods, but this card provides an intro APR on purchases and balance transfers — handy for chipping away at the cost of large expenses over time.

Cons

Your only redemption options are statement credits, gift cards or merchandise.

Purchases at wholesale clubs, superstores (like Walmart), and specialty stores (bakeries, farmers markets, etc.) are excluded from the card’s U.S. supermarket bonus category and only earn 1 percent back.

remarkable partner card<\/a> for frequent drivers aiming to maximize everyday rewards on fluctuating gas prices. Learn more: <\/strong><a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//is-citi-custom-cash-worth-it///">Is the Citi Custom Cash worth it?<\/a> Alternative: <\/strong>For more choice and flexibility, you may <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//citi-custom-cash-vs-bank-of-america-customized-cash-rewards///">prefer the Bank of America Customized Cash<\/a> card or the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//u-s-bank-cash-visa-signature-card///">U.S. Bank Cash+\u00ae Visa Signature\u00ae Card<\/a>. These cards not only let you choose from a wide selection of bonus categories, but you also earn bonus rewards in more than one category. <\/div>","pros_and_cons_header":"Editor's take","pros":["Since you aren't locked into year-round or quarterly bonus categories, you can enjoy more flexibility in how you earn top rewards.","For a no-annual fee card, it offers attractive additional perks if you receive it with World Elite Mastercard status, such as partner offers with Lyft and DoorDash."],"cons":["It may not work well as a standalone card since you\u2019ll only earn 1 percent back on other everyday purchases outside your top eligible spending category.","You\u2019ll only earn 5 percent back on your first $500 in an eligible category each billing cycle (1 percent after that). This could hold you back if you spend heavily in one category or share the account among multiple households."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"5705fd86-50da-4c7f-b57b-83b40752af98","name":"Balance Transfer","type":"tag","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"23a4c35d-7528-4051-b373-fd0d352ed37e","name":"Dining","type":"tag","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6c59e82e-fb1b-4aca-8d5b-eef479e37f90","name":"Fair Credit","type":"tag","image":"39cbbfb0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'rewards' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >

Best for gas

Citi Custom Cash® Card

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Apply now

on Citi's secure site

See Rates & Fees

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Recommended Credit

Intro offer

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

1% - 5%

Rewards rate

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. Earn unlimited 1% cash back on all other purchases.

Annual fee

Regular APR

- 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
- 4% Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- 1% Earn unlimited 1% cash back on all other purchases.
What we love: This card automatically earns bonus rewards in your biggest spending category each billing cycle, with 10 eligible categories including gas. The rewards rate is one of the highest available year-round on gas purchases without requiring an annual fee, making it a remarkable partner card for frequent drivers aiming to maximize everyday rewards on fluctuating gas prices.

Learn more: Is the Citi Custom Cash worth it?

Alternative: For more choice and flexibility, you may prefer the Bank of America Customized Cash card or the U.S. Bank Cash+® Visa Signature® Card. These cards not only let you choose from a wide selection of bonus categories, but you also earn bonus rewards in more than one category.
Pros

Since you aren't locked into year-round or quarterly bonus categories, you can enjoy more flexibility in how you earn top rewards.

For a no-annual fee card, it offers attractive additional perks if you receive it with World Elite Mastercard status, such as partner offers with Lyft and DoorDash.

Cons

It may not work well as a standalone card since you’ll only earn 1 percent back on other everyday purchases outside your top eligible spending category.

You’ll only earn 5 percent back on your first $500 in an eligible category each billing cycle (1 percent after that). This could hold you back if you spend heavily in one category or share the account among multiple households.

great travel starter card<\/a> for all types of spenders since you can earn flexible miles even without spending a ton on travel. You also have the unique option to redeem miles for statement credits toward eligible past travel purchases. Learn more: <\/strong><a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//why-i-love-capital-one-venture-rewards///">Why expert Jacqueline DeMarco loves the Capital One Venture<\/a> Alternative: <\/strong>The Capital One Venture X may be more lucrative overall thanks to its practical perks and high-value annual credits. <\/div>","pros_and_cons_header":"Editor's take","pros":["<a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//points-and-miles-valuations///">According to Bankrate's valuations<\/a>, each mile is worth on average 2 cents if redeemed through a Capital One transfer partner \u2014 great value for a flat-rate card.","You can take advantage of statement credits for valuable perks like expedited security screening, making the already-low annual fee easy to offset."],"cons":["The welcome offer has a high spend requirement, so it may not be easy to attain.","Some competitors provide more eye-catching perks like annual hotel credits, account anniversary bonus points and ridesharing perks.","Unless you take advantage of Capital One\u2019s transfer partners, your miles will only be worth 1 cent (or less, for non-travel redemptions). Other travel cards offer a higher point value if you redeem through the issuer\u2019s portal."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"id":"07815698-c8da-4f40-8736-81d0c76fa353","name":"Airline","type":"tag","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"71fc3028-f969-4277-bfe4-1ceb9856c34c","name":"Capital One","type":"tag","image":null,"value":null},{"id":"23a4c35d-7528-4051-b373-fd0d352ed37e","name":"Dining","type":"tag","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"c87194e5-dc35-490b-843f-cf5e05e83ac6","name":"Hotel","type":"tag","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"95e029c6-4c8b-4978-bdd5-60960fb10868","name":"Miles","type":"tag","image":null,"value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"b17b1bcc-ec4b-4a1c-a85f-2dbd94992429","name":"Points","type":"tag","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'rewards' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >

Best for for flat-rate travel rewards

Capital One Venture Rewards Credit Card

4.9

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Apply now

on Capital One's secure site

See Rates & Fees

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Recommended Credit

Intro offer

New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

$1275

Offer valuation

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

2 Miles - 5 Miles

Rewards rate

5 Miles per dollar on hotels and rental cars booked through Capital One Travel 2 Miles per dollar on every purchase, every day

Annual fee

Regular APR

- 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
- 2 Miles 2 Miles per dollar on every purchase, every day
The flat 2X rewards rate on purchases makes this a great travel starter card for all types of spenders since you can earn flexible miles even without spending a ton on travel. You also have the unique option to redeem miles for statement credits toward eligible past travel purchases.

Learn more: Why expert Jacqueline DeMarco loves the Capital One Venture

Alternative: The Capital One Venture X may be more lucrative overall thanks to its practical perks and high-value annual credits.
Pros

According to Bankrate's valuations, each mile is worth on average 2 cents if redeemed through a Capital One transfer partner — great value for a flat-rate card.

You can take advantage of statement credits for valuable perks like expedited security screening, making the already-low annual fee easy to offset.

Cons

The welcome offer has a high spend requirement, so it may not be easy to attain.

Some competitors provide more eye-catching perks like annual hotel credits, account anniversary bonus points and ridesharing perks.

Unless you take advantage of Capital One’s transfer partners, your miles will only be worth 1 cent (or less, for non-travel redemptions). Other travel cards offer a higher point value if you redeem through the issuer’s portal.

The Bank of America Premium Rewards Card benefits guide<\/a> Alternatives: <\/strong>The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//chase-sapphire-preferred-card///">Chase Sapphire Preferred\u00ae Card<\/a> may be a better alternative since you\u2019ll get many of the same travel perks and protections for the same annual fee, but it has more valuable points.<\/div>","pros_and_cons_header":"Editor's take","pros":["The annual fee is easy to offset with statement credits for airline incidentals.","The current welcome offer could cover the cost of a quick trip, depending on the airline."],"cons":["You won\u2019t get a break on interest charges if you carry a balance since it doesn\u2019t have intro APR offers on purchases or balance transfers.","To get the most out of this card, you need to have eligible savings or investment accounts with Bank of America or Merrill Lynch."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":40,"name":"Bank of America Travel Rewards","active_rate":{"id":41,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[{"id":"07815698-c8da-4f40-8736-81d0c76fa353","name":"Airline","type":"tag","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"04e767ad-b41c-425f-a43f-e08f2063eab9","name":"Annual Fee","type":"tag","image":null,"value":null},{"id":"82e34145-c70a-4c3d-9b48-7e0f130975c2","name":"Annual Travel Credit","type":"tag","image":"3f500bac6b57606be541be2d7aa59aa9.png","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"8c8699fd-249c-40b4-8392-2d498e581540","name":"FICO Score","type":"tag","image":"3c51fb9d53203e43288b4d33bc8ffb99.png","value":null},{"id":"c87194e5-dc35-490b-843f-cf5e05e83ac6","name":"Hotel","type":"tag","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"d866baf3-4ea8-40a9-ad12-482dce578f36","name":"Lost Luggage Reimbursement","type":"tag","image":"231ad48ab7e885376229897f37b65348.png","value":null},{"id":"92d8b110-c8fb-4ee5-95d4-1c5ad80a215b","name":"Mobile Pay Ready","type":"tag","image":"c9a039a1830fa29723ae3591721396ec.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"8e7a96a9-4b0a-4933-9068-15eaaf9cf8ec","name":"Personal","type":"tag","image":null,"value":null},{"id":"b17b1bcc-ec4b-4a1c-a85f-2dbd94992429","name":"Points","type":"tag","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"d607652e-254f-4c06-892c-861a1c20c2fa","name":"Tiered Rewards","type":"tag","image":null,"value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"d8cff18e-7d0a-4a25-b61e-c3a21ec2dc2d","name":"Travel Accident Insurance","type":"tag","image":"9148b97046b15a99a3744622d7b3b285.png","value":null},{"id":"eeacadab-3e97-4936-bf24-99367f6b9376","name":"Trip Cancellation Insurance","type":"tag","image":"a1b8370a910a1d34fa62103b4eb338fe.png","value":null},{"id":"76ae659b-c3b1-40d7-be73-0fba2c2df732","name":"TSA\/Customs Reimbursement","type":"tag","image":"2c364fe0-bd24-11e9-a841-3728becc33ed.svg","value":null},{"id":"217f7b22-d808-447a-a401-743919cb8bc1","name":"Unsecured credit card","type":"tag","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"0e80c37a-09c1-44c8-8d2f-bff14a2dc81a","name":"Visa","type":"tag","image":"aef17b2f1dfc88c2fe6534963ae586cd.png","value":null},{"id":"586170e7-c9a9-4720-9961-acfa39d119c3","name":"Zero Fraud Liability","type":"tag","image":"7f303633e8c906a4a36c040425d50a31.png","value":null}]})" x-show="selectedCategory === 'rewards' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >

Best for frequent travelers

Bank of America® Premium Rewards® credit card

4.3

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Apply now

on Bank of America's secure site

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Recommended Credit

Intro offer

Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

$600

Offer valuation

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

1.5X - 2X

Rewards rate

Earn unlimited 2 points for every $1 spent on travel and dining purchases. Earn unlimited 1.5 points for every $1 spent on all other purchases.

Annual fee

Regular APR

- 2X Earn unlimited 2 points for every $1 spent on travel and dining purchases.
- 1.5X Earn unlimited 1.5 points for every $1 spent on all other purchases.
What we love: With qualifying account balances, Bank of America's Preferred Rewards® program can boost your rewards rates by 25 percent to 75 percent, and infrequent flyers can use their points for cash back without losing value. Plus, the up to $100 in annual airline incidental statement credits can help make up for the annual fee if you enjoy in-flight commodities.

Learn more: The Bank of America Premium Rewards Card benefits guide

Alternatives: The Chase Sapphire Preferred® Card may be a better alternative since you’ll get many of the same travel perks and protections for the same annual fee, but it has more valuable points.
Pros

The annual fee is easy to offset with statement credits for airline incidentals.

The current welcome offer could cover the cost of a quick trip, depending on the airline.

Cons

You won’t get a break on interest charges if you carry a balance since it doesn’t have intro APR offers on purchases or balance transfers.

To get the most out of this card, you need to have eligible savings or investment accounts with Bank of America or Merrill Lynch.

Chase Sapphire Preferred benefits guide<\/a> Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//capital-one-venture-rewards-credit-card///">Capital One Venture Rewards Credit Card<\/a> is an option similar to the Chase Sapphire Preferred. Consider this alternative if its list of benefits and credits \u2014 some of which are missing on the Chase card \u2014 appeal to you.<\/div>","pros_and_cons_header":"Editor's take","pros":["Its annual hotel statement credits and anniversary points bonus can carry enough value to easily justify the annual fee.","Ultimate Rewards points are some of the most valuable rewards available and redeeming points for travel with Chase comes with a 25 percent value boost."],"cons":["It doesn\u2019t have flight-focused travel perks like airport lounge access or free checked bags.","The card's grocery rewards rate only applies to eligible online grocery purchases, which could limit its appeal as a standalone option for everyday rewards."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":43,"name":"Chase Ultimate Rewards (Sapphire Preferred and Ink Business Preferred cards)","active_rate":{"id":44,"label":"2023","active":1,"unit_value":"0.02000"}},"tags":[{"id":"07815698-c8da-4f40-8736-81d0c76fa353","name":"Airline","type":"tag","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"3ddfa259-d134-49b8-a012-ca914ead5348","name":"Auto Rental Insurance","type":"tag","image":"d6ec79897b86788fd06161de100bae33.png","value":null},{"id":"359b3d84-5159-4735-a230-3003f76f4d78","name":"Concierge Service","type":"tag","image":"9a88b402c09f511d28190e3d832d539f.png","value":null},{"id":"23a4c35d-7528-4051-b373-fd0d352ed37e","name":"Dining","type":"tag","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"00bbe7db-3636-476a-ba54-abc0f930f4e2","name":"Extended Warranty Program","type":"tag","image":"9cebe165fee20278a857330672d7df78.png","value":null},{"id":"c87194e5-dc35-490b-843f-cf5e05e83ac6","name":"Hotel","type":"tag","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"d866baf3-4ea8-40a9-ad12-482dce578f36","name":"Lost Luggage Reimbursement","type":"tag","image":"231ad48ab7e885376229897f37b65348.png","value":null},{"id":"92d8b110-c8fb-4ee5-95d4-1c5ad80a215b","name":"Mobile Pay Ready","type":"tag","image":"c9a039a1830fa29723ae3591721396ec.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"b17b1bcc-ec4b-4a1c-a85f-2dbd94992429","name":"Points","type":"tag","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg","value":null},{"id":"29a9ea46-95f9-4d3a-a5d0-7c41fe94c220","name":"Popular","type":"tag","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"9db6dcfd-43cf-4b86-a585-dc7a8aff7530","name":"Primary Auto Rental Insurance","type":"tag","image":"9fb1075bfc14ead7984202901ff13e5d.png","value":null},{"id":"08393e8c-655e-47b5-b126-43b3810d5643","name":"Purchase Protection","type":"tag","image":"9524b9f2b1d3c84068061b9c0f720bcd.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"7ca4bcc6-e617-49b6-a406-f74ab23d6ae7","name":"Roadside Assistance","type":"tag","image":"aa9e23720be9c22177565be427797d94.png","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"d8cff18e-7d0a-4a25-b61e-c3a21ec2dc2d","name":"Travel Accident Insurance","type":"tag","image":"9148b97046b15a99a3744622d7b3b285.png","value":null},{"id":"bd4bb535-dc9a-4a0b-99a0-2cfca3ce6bfd","name":"Travel Assistance","type":"tag","image":"26421ca115c6cf8f5b77f401ccc2b7e3.png","value":null},{"id":"eeacadab-3e97-4936-bf24-99367f6b9376","name":"Trip Cancellation Insurance","type":"tag","image":"a1b8370a910a1d34fa62103b4eb338fe.png","value":null},{"id":"217f7b22-d808-447a-a401-743919cb8bc1","name":"Unsecured credit card","type":"tag","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"0e80c37a-09c1-44c8-8d2f-bff14a2dc81a","name":"Visa","type":"tag","image":"aef17b2f1dfc88c2fe6534963ae586cd.png","value":null},{"id":"586170e7-c9a9-4720-9961-acfa39d119c3","name":"Zero Fraud Liability","type":"tag","image":"7f303633e8c906a4a36c040425d50a31.png","value":null}]})" x-show="selectedCategory === 'rewards' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >

Best starter travel card

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Recommended Credit

Intro offer

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

$1500

Offer valuation

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

1x - 5x

Rewards rate

5x on travel purchased through Chase Travel℠. 3x on dining, select streaming services and online groceries. 2x on all other travel purchases. 1x on all other purchases.

Annual fee

Regular APR

- 5x 5x on travel purchased through Chase Travel℠.
- 3x 3x on dining, select streaming services and online groceries.
- 2x 2x on all other travel purchases.
- 1x 1x on all other purchases.
What we love: Occasional travelers who value flexibility can enjoy this card’s excellent rewards on both travel and everyday spending, stellar travel protections and other lucrative benefits. It already delivers top-notch long-term value with its remarkable redemption options, perks and transfer partners. Plus, the hefty welcome offer makes the short-term rewards value exceptional as well.

Learn more: Chase Sapphire Preferred benefits guide

Alternatives: The Capital One Venture Rewards Credit Card is an option similar to the Chase Sapphire Preferred. Consider this alternative if its list of benefits and credits — some of which are missing on the Chase card — appeal to you.
Pros

Its annual hotel statement credits and anniversary points bonus can carry enough value to easily justify the annual fee.

Ultimate Rewards points are some of the most valuable rewards available and redeeming points for travel with Chase comes with a 25 percent value boost.

Cons

It doesn’t have flight-focused travel perks like airport lounge access or free checked bags.

The card's grocery rewards rate only applies to eligible online grocery purchases, which could limit its appeal as a standalone option for everyday rewards.

Is the Amex Platinum worth the yearly fee?<\/a> Alternative: <\/strong>The Amex Platinum's perks may not be a great fit for some cardholders. The Chase Sapphire Reserve or Capital One Venture X may offer more practical perks at a lower cost. <\/div>","pros_and_cons_header":"Editor's take","pros":["You could earn perhaps the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//amex-platinum-welcome-offer///">most valuable welcome offer<\/a> currently available when applying for the Amex Platinum through <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//cardmatch///">CardMatch: 150,000 points after spending $8,000 on purchases within the first six months.","Carries perhaps the most comprehensive lounge access, hotel privileges and travel benefits of any mainstream personal card."],"cons":["Several annual credits and perks aren\u2019t practical for many cardholders (like the Equinox and private jet program offers), which may make the $695 annual fee tough to offset.","The bonus category coverage is quite narrow, so you\u2019ll have to lean on the extra perks for the bulk of your value."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":39,"name":"American Express Membership Rewards","active_rate":{"id":40,"label":"2023","active":1,"unit_value":"0.02000"}},"tags":[{"id":"11587252-99f5-43da-8281-7f2b0dfac7b7","name":"Airport Lounge Access","type":"tag","image":"0a7bb0c9d2441e79b34993203e8d1f86.png","value":null},{"id":"59a59e5b-28b1-4f3e-9ac2-0d8dd783b520","name":"Annual Uber Credit","type":"tag","image":"57d3b70966ec41ae81d620b6c000eb39.png","value":null},{"id":"359b3d84-5159-4735-a230-3003f76f4d78","name":"Concierge Service","type":"tag","image":"9a88b402c09f511d28190e3d832d539f.png","value":null},{"id":"33ee6fb8-b86f-402e-ab1e-7aca2988aa32","name":"Elite Status","type":"tag","image":"9fa189a52338b4574699750e7a6e121d.png","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"a9517b73-c09d-467a-b5e7-079552895d0b","name":"Free Credit Score","type":"tag","image":"c921b548023dc6f855952e83fcfca848.png","value":null},{"id":"aa070ca4-ae86-422a-a1ac-7c8839bce5d0","name":"Free Wi-Fi Access","type":"tag","image":"b67ead4ff3cb0e57462c3dce8e876546.png","value":null},{"id":"92d8b110-c8fb-4ee5-95d4-1c5ad80a215b","name":"Mobile Pay Ready","type":"tag","image":"c9a039a1830fa29723ae3591721396ec.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"b17b1bcc-ec4b-4a1c-a85f-2dbd94992429","name":"Points","type":"tag","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg","value":null},{"id":"29a9ea46-95f9-4d3a-a5d0-7c41fe94c220","name":"Popular","type":"tag","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"e3fc60c2-9da6-4962-a27d-e7d9488cbe18","name":"Presale Tickets","type":"tag","image":"bb284692903330764acc7c1350a85a42.png","value":null},{"id":"ebb379c8-0900-4c3d-be0c-1f1d02693483","name":"Private Jet Access","type":"tag","image":"2566a3a19d7cf57528d908d8d8163ce5.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"76ae659b-c3b1-40d7-be73-0fba2c2df732","name":"TSA\/Customs Reimbursement","type":"tag","image":"2c364fe0-bd24-11e9-a841-3728becc33ed.svg","value":null},{"id":"1a95beb8-3a15-4a91-80d8-23fd5acdf357","name":"Ultra-Premium Card","type":"tag","image":null,"value":null},{"id":"586170e7-c9a9-4720-9961-acfa39d119c3","name":"Zero Fraud Liability","type":"tag","image":"7f303633e8c906a4a36c040425d50a31.png","value":null}]})" x-show="selectedCategory === 'rewards' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >

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