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Best rewards credit cards of May 2024

Updated May 09, 2024

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Rewards credit cards are a great way to make the most of your everyday expenses, allowing you to earn bonus miles, points or cash back on your purchases. While cash back is one of the simplest forms of rewards, miles or points may offer even more value for frequent travelers and shoppers.

These card offers from our partners carry some of the best rewards value and perks out there, with each issuer offering a variety of programs to suit your unique spending habits. Whether you need a flat-rate card to cover any purchase, a bonus or rotating category card for specialized spending or even a choice category card for ultimate flexibility, we’ll help you find the credit card that helps you reach your rewards goals.

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Nouri Zarrugh<\/a>, Senior Editor, Credit Cards<br><br><strong>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.<br><br><strong>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><br><br><strong>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.&nbsp;<\/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'" >
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BEST OVERALL
Rating: 5 stars out of 5
5.0
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Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
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Recommended Credit
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Intro offer

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1% - 8%

Rewards rate

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Annual fee

Regular APR

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.<br><br><strong>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><br><br><strong>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.&nbsp;<\/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
Rating: 4.4 stars out of 5
4.4
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on Discover's secure site
Good to Excellent (670 – 850)
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Recommended Credit

Intro offer

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1% - 5%

Rewards rate

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Annual fee

Regular APR

Expert Aja McClanahan discusses if the Wells Fargo Active Cash is worth it<\/a><br><br><strong>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.&nbsp;<\/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'" >
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Best for flat-rate cash rewards
Rating: 4.3 stars out of 5
4.3
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Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
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Recommended Credit
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Intro offer

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2%

Rewards rate

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Annual fee

Regular APR

Why expert Nicole Dieker loves the Capital One Quicksilver<\/a><br><br><strong>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).&nbsp;<\/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'" >
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Best starter rewards card
Rating: 3.8 stars out of 5
3.8
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Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
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Recommended Credit
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Intro offer

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1.5% - 5%

Rewards rate

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Annual fee

Regular APR

BEST FOR EASY-TO-EARN CREDITS
Rating: 3.9 stars out of 5
3.9
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Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

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$600

Offer valuation

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1X - 5X

Rewards rate

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Annual fee

Regular APR

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.<br><br><strong>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><br><br><strong>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.&nbsp;<\/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
Rating: 5 stars out of 5
5.0
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Apply now Lock
on Capital One's secure site
Excellent (740 – 850)
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Recommended Credit

Intro offer

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$1275

Offer valuation

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2 Miles - 10 Miles

Rewards rate

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Annual fee

Regular APR

Is the Chase Freedom Unlimited worth it?<\/a><br><br><strong>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
Rating: 4.8 stars out of 5
4.8
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Good to Excellent (670 – 850)
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Recommended Credit

Intro offer

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1.5% - 5%

Rewards rate

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Annual fee

Regular APR

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.<br><br><strong>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><br><br><strong>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'" >
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Best for groceries
Rating: 4.4 stars out of 5
4.4
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on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
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Recommended Credit
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Intro offer

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1% - 6%

Rewards rate

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Annual fee

APR

remarkable partner card<\/a> for frequent drivers aiming to maximize everyday rewards on fluctuating gas prices.<br><br><strong>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><br><br><strong>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.&nbsp;<\/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'" >
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Best for gas
Rating: 4.4 stars out of 5
4.4
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Apply now Lock
on Citi's secure site
Good to Excellent (670 – 850)
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Recommended Credit
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Intro offer

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1% - 5%

Rewards rate

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Annual fee

Regular APR

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.<br><br><strong>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><br><br><strong>Alternative: <\/strong>The Capital One Venture X may be more lucrative overall thanks to its practical perks and high-value annual credits.&nbsp;<\/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
Rating: 4.9 stars out of 5
4.9
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on Capital One's secure site
Good to Excellent (670 – 850)
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Recommended Credit

Intro offer

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$1275

Offer valuation

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2 Miles - 5 Miles

Rewards rate

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Annual fee

Regular APR

The Bank of America Premium Rewards Card benefits guide<\/a><br><br><strong>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
Rating: 4.3 stars out of 5
4.3
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Apply now Lock
on Bank of America's secure site
Good to Excellent (670 – 850)
Info
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Intro offer

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$600

Offer valuation

Info

1.5X - 2X

Rewards rate

Info

Annual fee

Regular APR

Chase Sapphire Preferred benefits guide<\/a><br><br><strong>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'" >
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Best starter travel card
Rating: 4.8 stars out of 5
4.8
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Good to Excellent (670 – 850)
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Intro offer

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$1500

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1x - 5x

Rewards rate

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Annual fee

Regular APR

Is the Amex Platinum worth the yearly fee?<\/a><br><br><strong>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.&nbsp;<\/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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Best for luxury travel
Rating: 4.8 stars out of 5
4.8
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See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
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$1600

Offer valuation

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5X - 5X

Rewards rate

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Annual fee

APR

Is the Wells Fargo Autograph worth it?<\/a><br><br><strong>Alternative: <\/strong>Despite its modest annual fee ($0 intro fee for the first year, then $95), the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//blue-cash-preferred-card-from-american-express///">Blue Cash Preferred\u00ae Card from American Express<\/a> could be more rewarding thanks to its best-in-class cash back rate on U.S. supermarket purchases. It also features many of the same bonus categories as the Autograph card.<\/div>","pros_and_cons_header":"Editor's take","pros":["It's a great standalone card with everyday bonus categories (like restaurants and gas) coupled with harder-to-find extras like cell phone protection plans.","The introductory purchase APR could be a big help if you need to chip away at the cost of a trip or other large purchases over time."],"cons":["Unlike some of the best travel cards, the Autograph card doesn\u2019t let you transfer points to airline and hotel loyalty programs, so the value of your rewards may be limited.","Frequent travelers hoping for perks like airport lounge access or credits for expedited security will likely get more value out of another card."],"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":50,"name":"Wells Fargo rewards","active_rate":{"id":51,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[]})" x-show="selectedCategory === 'rewards' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
BEST FOR EVERYDAY TRAVEL
Rating: 4.1 stars out of 5
4.1
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Good to Excellent (670 – 850)
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Intro offer

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$200

Offer valuation

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1X - 3X

Rewards rate

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Annual fee

Regular APR

transfer partners<\/a> make it a great option for savings-minded travelers and rewards beginners alike.<br><br><strong>Learn more: <\/strong><a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reasons-to-get-ventureone-rewards-card///">7 reasons to get the Capital One VentureOne Rewards Card<\/a><br><br><strong>Alternative: <\/strong>If you prioritize a card\u2019s rewards rate over basic travel perks and transfer partners, consider the no-annual-fee <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//discover-it-miles///">Discover it\u00ae Miles<\/a> card or the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//bank-of-america-travel-rewards-credit-card///">Bank of America\u00ae Travel Rewards credit card<\/a> for a 1.5X reward rate on all purchases that can be redeemed for versatile travel purchase statement credits.&nbsp;<\/div>","pros_and_cons_header":"Editor's take","pros":["You can transfer miles to airline and hotel partners \u2014 a rare perk for a no-annual-fee travel card.","There\u2019s a relatively lengthy intro APR period for purchase and balance transfer\u2014 uncommon for a travel mile card."],"cons":["If you don\u2019t plan on transferring rewards to Capital One\u2019s travel partners, another travel rewards card may offer better point redemption value.","If you usually fly within the U.S., keep in mind that Capital One\u2019s transfer partners don\u2019t include any major domestic airlines or hotels outside the Wyndham brand."],"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":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"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":"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":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"95e029c6-4c8b-4978-bdd5-60960fb10868","name":"Miles","type":"tag","image":null,"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":"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 no annual fee travel card
Rating: 4.1 stars out of 5
4.1
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Good to Excellent (670 – 850)
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Intro offer

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$340

Offer valuation

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1.25 Miles - 5 Miles

Rewards rate

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Annual fee

Regular APR

BEST FOR PAYING RENT
Rating: 4 stars out of 5
4.0
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on Wells Fargo's secure site
Good to Excellent (670 – 850)
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N/A

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N/A

Offer valuation

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1X Points - 3X Points

Rewards rate

Info

Annual fee

Regular APR

traveling foodies<\/a> might find the additional yearly credits on eligible dining, Uber and hotel purchases (through American Express Travel) valuable enough to nearly <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//amex-gold-worth-the-annual-fee///">offset the $250 annual fee<\/a>.<br><br><strong>Learn more:<\/strong> <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//why-i-love-amex-gold///">Why expert Matt Bundrick loves the Amex Gold<\/a><br><br><strong>Alternative: <\/strong>For a higher annual fee, the Amex Platinum and the Chase Sapphire Reserve are smart picks if you\u2019re itching for more than dining rewards since both offer <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//american-express-gold-card-vs-the-platinum-card-from-american-express///">better travel perks<\/a>, rewards and protections. But the Capital One SavorOne or <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//amex-gold-vs-chase-sapphire-preferred///">Chase Sapphire Preferred could be a better fit<\/a> if you want excellent dining and grocery rewards for a more modest annual fee.<\/div>","pros_and_cons_header":"Editor's take","pros":["Transferring points to partner airline or hotel loyalty programs, which include popular brands like Delta and Hilton, can get you more value.","You can earn additional rewards by enrolling in Amex Offers."],"cons":["You'll need to use the annual credits or transfer points for travel frequently to offset the annual fee.","Your points are worth much less if you redeem them to cover dining purchases or any travel purchases other than airfare (they\u2019re often worth half as much or less)."],"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":"07815698-c8da-4f40-8736-81d0c76fa353","name":"Airline","type":"tag","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"23a4c35d-7528-4051-b373-fd0d352ed37e","name":"Dining","type":"tag","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg","value":null},{"id":"08288aab-66cb-4c27-8759-67bb4caefb07","name":"Editor's Pick","type":"tag","image":"7a8ac2d0-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":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","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":"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":"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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Best for food and travel
Rating: 5 stars out of 5
5.0
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Good to Excellent (670 – 850)
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$1200

Offer valuation

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3X - 4X

Rewards rate

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Annual fee

APR

first-class benefits<\/a> like the $300 in annual travel credits, comprehensive travel insurance and airport perks.<br><br><strong>Learn more: <\/strong><a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//why-i-love-chase-sapphire-reserve///">Why expert Holly Johnson loves the Chase Sapphire Reserve<\/a><br><br><strong>Alternative: <\/strong>The Amex Platinum card provides even more annual credits and luxury privileges, including better airport lounge access. Meanwhile, the Chase Sapphire Preferred or <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//capital-one-venture-x-vs-chase-sapphire-reserve///">Capital One Venture X may be more cost-effective<\/a> and can help you earn rewards at a similar (or even higher) rate in their key categories.<\/div>","pros_and_cons_header":"Editor's take","pros":["The general travel category alone is quite comprehensive, and the first $300 you spend on these purchases is covered by annual travel credits.","It pairs incredibly well with other Chase rewards cards since you can pool points across multiple cards and boost your point value by 50 percent when you redeem for Chase Travel\u2120 bookings."],"cons":["This card charges a steep $550 annual fee, which may be hard to upkeep if you aren\u2019t planning to use perks other than the rewards and annual travel credits (like the Priority Pass Select airport lounge membership).","Its luxury travel perk roster isn\u2019t as strong as that of some rival cards since it\u2019s missing benefits like complimentary airline or hotel loyalty status."],"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":44,"name":"Chase Ultimate Rewards (Sapphire Reserve card)","active_rate":{"id":45,"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":"82e34145-c70a-4c3d-9b48-7e0f130975c2","name":"Annual Travel Credit","type":"tag","image":"3f500bac6b57606be541be2d7aa59aa9.png","value":null},{"id":"3ddfa259-d134-49b8-a012-ca914ead5348","name":"Auto Rental 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'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >
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Best rewards value
Rating: 5 stars out of 5
5.0
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Apply now Lock
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Excellent (740 – 850)
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Recommended Credit
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Intro offer

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$1500

Offer valuation

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1x - 10x

Rewards rate

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Annual fee

Regular APR

Why expert Holly Johnson loves the Amex Business Gold card<\/a><br><br><strong>Alternative:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//venture-x-business-card///">Capital One Venture X Business Rewards Credit Card<\/a> offers much better travel perks, including an annual travel credit and anniversary bonus points that make it more than worth it. Its flat rewards rate means it\u2019s also a better fit if you\u2019re looking to keep things simple.&nbsp;<\/div>","pros_and_cons_header":"Editor's take","pros":["Earns bonus rewards in several key small-business spending categories, making it a versatile option as both a standalone and supplementary rewards card.","Offers a flexible spending limit via its Pay Over Time feature, which could help you free up cash flow or finance large business purchases."],"cons":["You only earn 4X points on the first $150,000 you spend per year across two eligible spending categories, so you may leave rewards on the table if you have high expenses.","It\u2019s missing perks like lounge access and airline or hotel elite status, which you can find on other business travel cards at a similar price level."],"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":39,"name":"American Express Membership Rewards","active_rate":{"id":40,"label":"2023","active":1,"unit_value":"0.02000"}},"tags":[{"id":"ed4ecc50-5090-47c3-b122-c5175eac146c","name":"Business","type":"tag","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.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":"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":"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":"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 SMALL-BUSINESS OWNERS
Rating: 5 stars out of 5
5.0
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Good to Excellent (670 – 850)
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1X - 4X

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Regular APR

What card expert Holly Johnson loves about the Prime Visa<\/a><br><br><strong>Alternative: <\/strong>If you want to earn rewards on groceries and online shopping without being stuck buying from Amazon.com or Whole Foods, consider the Blue Cash Everyday card. It offers a solid rewards rate on both U.S. online retail purchases and at U.S. supermarkets, making it a more flexible but still lucrative option.&nbsp;<\/div>","pros_and_cons_header":"Editor's take","pros":["The sign-up bonus is lower than other no-annual-fee rewards card bonuses, but you\u2019ll earn it instantly on approval, with no spending requirement to worry about.","Unlocks exclusive pay-over-time financing on eligible Amazon purchases, giving you a chance to chip away at large expenses without stressing over interest charges (terms apply).","For a no-annual-fee general rewards card, Prime Visa offers <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//amazon-prime-rewards-visa-signature-benefits-guide///">significant travel benefits<\/a> like no foreign transaction fees, lost luggage reimbursement and travel accident insurance."],"cons":["It doesn\u2019t carry a traditional intro APR, so you can\u2019t finance non-Amazon purchases with a 0 percent APR.","An Amazon Prime membership runs $139 per year, so the bonus rates might be only worth it if you already are or plan to become a member."],"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":[]})" x-show="selectedCategory === 'rewards' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
BEST FOR ONLINE SHOPPING
Rating: 4.1 stars out of 5
4.1
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Good to Excellent (670 – 850)
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1% - 5%

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Compare Bankrate’s top rewards credit cards

Card name Our pick for Rewards highlights
Annual fee
Bankrate review score

Entertainment + Best overall

10% cash back on Uber rides and Uber Eats orders (through Nov. 14, 2024)
 
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 grocery store purchases (excluding superstores like Walmart® and Target®)
 
$0

5.0 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site

Category variety

5% cash back on rotating bonus categories after activation (on up to $1,500 in combined purchases per quarter, then 1%)
 
$0

4.4 / 5

Info
(Read card review)
Apply now Lock
on Discover's secure site
Flat-rate cash rewards
2% cash rewards on purchases
 
$0

4.3 / 5

Info
(Read card review)
Apply now Lock
on Wells Fargo's secure site

Starter rewards card

5% cash back on hotels and rental cars booked through Capital One Travel
 
1.5% cash back on all purchases
 
$0

3.8 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site
Easy-to-earn credits
5X points on hotels purchases
 
4X points on airline purchases
 
3X points on restaurant and other travel 
 
$95

3.9 / 5

Info
(Read card review)
Apply now Lock
on Wells Fargo's secure site
Affordable travel perks
10X miles on hotels and rental cars booked through Capital One Travel
 
5X miles on flights booked through Capital One Travel and Capital One Entertainment purchases
 
2X miles on all other purchases
 
10,000 bonus miles every year on your account anniversary
 
Bankrate’s rewards value: 1.7 cents per mile*
 
$395

5.0 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site

Everyday spending

5% cash back on Lyft purchases (through March 2025) and travel booked through Chase Ultimate Rewards

3% cash back on dining at restaurants and drugstore purchases

1.5% cash back on all other purchases

$0

4.8 / 5

Info
(Read card review)
Apply now Lock
on Chase's secure site
Groceries

6% cash back on select U.S. streaming subscriptions and at U.S. supermarkets (up to $6,000 per year in supermarket purchases, then 1%)

3% cash back on U.S. gas station and transit purchases

 
$0 intro annual fee for the first year, then $95.

4.4 / 5

Info
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Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Gas

5% cash back on purchases on the top eligible spend category each billing cycle (up to the first $500 spent each cycle, 1% cash back thereafter)

 1% cash back on all other purchases
$0

4.4 / 5

Info
(Read card review)
Apply now Lock
on Citi's secure site
Flat-rate travel rewards
5X miles on hotels and rental cars booked through Capital One Travel
 
2X miles on every purchase
 
Bankrate’s rewards value: 1.7 cents per mile*
 
$95

4.9 / 5

Info
(Read card review)
Apply now Lock
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Savers
2X points on travel and dining
 
1.5X points on all other purchases
 
Bankrate’s rewards value: 1.0 cents per point* (Bank of America Preferred Rewards members can receive boosted rates of up to 3.5X points on travel and dining, and 2.62X points on all other purchases)
 
$95

4.3 / 5

Info
(Read card review)
Apply now Lock
on Bank of America's secure site

Starter travel card

5X points on Chase Travel℠ and Lyft rides (Lyft offer through March 31, 2025)
 
3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs)
 
2X points on all other travel purchases
 
25% increased redemption value toward travel through Chase Ultimate Rewards 
 
Bankrate’s rewards value: 2.0 cents per point*
 
$95

4.8 / 5

Info
(Read card review)
Apply now Lock
on Chase's secure site
Luxury travel
5X points on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (on up to $500,000 spent per calendar year) 
 
1X points on all other purchases 
 
Bankrate’s rewards value: 2.0 cents per point*
 
$695

4.8 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Everyday travel
3X points on restaurant, travel, transit, gas station, phone plan and popular streaming service purchases
 
1X points on all other purchases
 
Bankrate’s rewards value: 1.0 cents per point*
 
$0

4.1 / 5

Info
(Read card review)
Apply now Lock
on Wells Fargo's secure site
No-annual-fee travel card
5X miles on hotels and rental cars booked through Capital One Travel
 
1.25X miles on all other purchases
 
Bankrate’s rewards value: 1.7 cents per mile*
 
$0

4.1 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site
Paying rent
3X Points on dining
 
2X Points on travel
 
1X Points on rent payments (up to a maximum 100,000 points per year) and other purchases
 
 Use the card five times each statement period to earn points. See Rewards and Benefits terms
 
(Bilt Rent Day doubles all rewards rates on the first day of each month for 2X points to 6X points on non-rent purchases, up to 10,000 points per the first day of the month)
 
Bankrate’s rewards value: 2.1 cents per point*
 
None

4.0 / 5

Info
(Read card review)
Apply now Lock
on Wells Fargo's secure site

Food and travel

4X points on restaurants, eligible delivery service and U.S. supermarket purchases (supermarket rate on up to $25,000 of purchases per year, then 1X points)
 
3X points on flights booked directly with airlines or via American Express Travel
 
Bankrate’s rewards value: 2.0 cents per point*
 
$250

5.0 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Rewards value
10X points on hotels, car rentals and Chase Dining purchases via Chase Travel℠, and on Lyft rides (Lyft offer through March 31, 2025)
 
5X points on air travel via Chase Travel℠
 
3X points on dining and other travel
 
50% increased redemption value toward travel through Chase Travel℠
 
Bankrate’s rewards value: 2.0 cents per point* (Points on travel purchases only earned after the first $300, which is covered by the annual travel credit)
 
$550

5.0 / 5

Info
(Read card review)
Apply now Lock
on Chase's secure site

Small-business owners

4X points on up to $150,000 per calendar year in your top two of six eligible categories (then 1X thereafter; only the top two categories each billing cycle will count toward the $150,000 cap)
 
3X points on hotels and flights through American Express Travel
 
Bankrate’s rewards value: 2.0 cents per point*
$375

5.0 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Online shopping

5 percent back on Amazon.com, Amazon Fresh, Whole Foods Market and Chase Travel purchases
 

2 percent back on restaurant, gas station, local transit and commuting purchases (including rideshares)

Baseline rewards value: 1 cent per point
$0

4.1 / 5

Info
(Read card review)
Apply now Lock
on Amazon's secure site
Image of American Express&reg; Green Card
American Express® Green Card
Transit

3X points on eligible dining, transit and travel purchases (including airfare, hotels, cruises, tours, car rentals, campgrounds, vacation rentals and travel purchases through third-party travel websites and the American Express Travel portal)

Bankrate’s rewards value: 2.0 cents per point*
$150
Image of My GM Rewards&#174; Mastercard&#174;
My GM Rewards® Mastercard®
GM payments and leases
7X points on eligible GM purchases
 
4X points on all other purchases 
 
Baseline rewards value: 1 cent per point (toward eligible GM purchases)
 
$0

The information about the My GM Rewards® Mastercard® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

*Bankrate’s points and miles valuations are based on an average of the issuer’s five highest-value transfer partners (if available).

What is a rewards credit card?

A rewards credit card earns points, miles or cash back on eligible purchases you make with the card. You earn these rewards at a flat rate on all purchases or at a higher rate in specific bonus categories depending on the rewards card.

The issuer credits your account with your earnings, which you can redeem for statement credits, travel, gift cards or merchandise.

Types of rewards credit cards

Some of the most common types of rewards credit cards include cash back cards, travel rewards cards and business rewards cards. 

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From our experts

Based on the most recent J.D. Power U.S. Credit Card Satisfaction Study, our expert Ted Rossman breaks down the data on the rewards and perks cardholders value, how issuers rank and how you should factor these trends into your credit card decision.

Weighing rewards value

A crucial part of choosing the right rewards card is understanding the value of a card’s earned rewards. Here’s a quick rundown of how reward rates and redemption values work.

  • Credit card rewards are usually earned as cash back, points or miles. This means you’ll get a certain number of points/miles or a certain percentage of your purchase back per dollar spent. For example: 1 percent cash back on $100 = $1 cash back. And 1X points or miles on $100 = 100 points or miles back.
  • A card’s reward rate depends on how it earns them. Flat-rate cards typically earn 1.5 percent to 2 percent rewards. Tiered category cards earn anywhere from 2 percent to 6 percent rewards. Rotating category cards often earn 5 percent rewards on categories that change each quarter.
  • Some reward cards have spending caps, meaning the reward rate drops down to 1 percent rewards after you spend a certain amount in a select category within a timeframe. This is often up to $1,500 per quarter or up to $6,000 per year.
  • Reward redemption options differ by card, but often include cash back, travel bookings, gift cards and merchandise through the issuer portal. 
  • Travel redemptions are often the most valuable option, but require the most work. You can redeem points or miles through the issuer travel portal for airfare, hotel stays, travel experiences or rental cars. Some issuers allow you to transfer your points or miles to travel partners, which can boost your reward value even further (or reduce the value if you’re not careful).
  • Cash back redemption values are straightforward and usually worth 1 cent back per dollar spent. On the other hand, keep in mind that points or miles redeemed for cash back are usually worth less than 1 cent.
  • To find out if a rewards card is worth it for you, you’ll need to do some quick math. The easiest way to calculate the value of your rewards points is to divide the cash value of what you’re redeeming your points for by the number of points required to redeem it. (Example: $700 plane ticket / 70,000 points needed = 1 cent point value) 

To make it easier to gauge the right rewards card for the job, we’ve already crunched the numbers for you. Our up-to-date list of point and mile values gives you a sense of how much the most popular airline and hotel rewards are worth on average.

Looking for a particular type of rewards credit card?

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Pros and cons of rewards credit cards

A rewards card can be a great way to save on purchases but there are some downsides if you’re not careful. If you're wondering whether rewards credit cards are worth it, here are a few pros and cons to keep in mind:

Pros

  • Checkmark

    Rewards: You can save money by earning rewards on purchases.

  • Checkmark

    Sign-up bonuses/intro APRs: You can take advantage of a generous sign-up bonus or intro APRs kickstart your rewards or help pay down purchases or a previous balance.

  • Checkmark

    Perks: Many cards feature handy benefits, like travel savings and purchase protections.

Cons

  • Rewards caps: Some cards limit the earnable rewards, which could reduce the card’s value if your spending far exceeds the cap.

  • High APRs: Cards’ high APRs can cancel out any rewards you may earn.

  • Annual fees: Unless you maximize your reward earnings or card perks, it may be hard to outweigh the cost of some cards’ annual fees.

Expert advice for rewards cards

Once you have your card in hand, you can put it to work by maximizing its rewards. Here’s some advice from the Bankrate experts on how to put your rewards card to best use. 

Maximizing your card value

Here are some quick tips to help you squeeze out as much value as possible from your rewards card. 

  • Credit Card Cash Back

    Optimize your spending and redemption

    Concentrate your spending on categories that earn higher rewards and track your spending to see if you’re missing out on any reward opportunities. Then, always redeem your rewards for the option that offers maximum value.

    You may need to shift your credit card strategy depending on lifestyle changes. For instance, credit card rewards can help minimize inflation costs on groceries, dining and other major expenses. Or if you’re back at the office, a card that rewards gas purchases, travel or transit may fit your budget better.

  • Moneybag

    Earn your sign-up bonus

    Make a plan to meet the spending requirement without overspending and redeem your bonus through the optimal redemption method.

  • Credit Card Reviews

    Leverage your extra benefits

    Make sure you can offset your annual fee via your typical rewards spending. Better yet, do so with your card’s annual credits and perks without relying on your rewards. If you can barely cover the fee or fall short, you may want to downgrade to a no-annual-fee card. Big spenders in the same position may want to upgrade to a premium card for more valuable perks.

  • Credit Card Balance Transfer

    Double up on cards to earn more

    You can rake in more rewards by pairing a card that rewards your highest spending category with a supporting flat-rate card. This cornerstone strategy ensures you earn rewards on as many purchases as possible, including those that fall outside of typical categories.

    Learn more: Best credit card combinations to maximize rewards

  • Online Search

    Understand merchant category codes (MCCs)

    These four-digit codes classify where purchases fall into your card’s bonus categories. Knowing your card network’s MCCs allows you to see whether you need to change your shopping habits, which card is better for which expense and how you may be able to snag unexpected rewards.

    Learn more: How to earn more cash back with merchant category codes

  • Calendar Money

    Don’t carry a balance

    Carrying a balance leads to interest charges, which will eat through any rewards you’ve earned. Set up autopay and pay that month’s statement balance in full to avoid interest.

Tips for choosing the best rewards card for you

Navigating all the rewards card options available can be difficult. Here are some tips and insights from Bankrate writer Garrett Yarbrough about his own reward card journey that can help you decide which rewards card would fit you best.

  • Figure out where you spend the most each month. Once you know your major monthly categories, you match your spending with a fitting rewards card. “My biggest expenses tend to be everyday purchases like groceries, gas and dining. I love to cook, too, so I’d probably lean on a grocery rewards card more than one with a restaurant category,” explains Yarbrough. “On paper, my spending habits meant a card with a high rewards rate at grocery stores would be helpful. But in practice, I’d likely rack up more rewards with a flat-rate card.” 
  • Look at the card's fees. APR and foreign transaction fees are worth keeping an eye on, but the annual fee is the most important. You'll need to decide whether the card’s benefits and potential rewards can help offset the yearly cost. This was less an issue for Garrett: “APRs weren’t a huge concern since I already had a low-interest card from my credit union and I avoid carrying a balance, so I focused on rewards.”
  • Consider intro APR offers or sign-up bonuses. Many rewards cards offer sign-up bonus rewards and a zero-percent introductory APR on balance transfers and/or new purchases. Short-term value isn’t everything, but these offers can give a card an edge if you prioritize earning rewards, paying off debt or the middle-ground: a shorter intro APR with rewards
  • Factor in perks that are valuable to you. Perks that come with a card can play a key role in determining its overall value, especially if the perks can help offset the annual fee. “Knowing I wanted a future-proof, flat-rate rewards card with diverse redemption options and plenty of pairing opportunities helped me quickly narrow my search to the Chase Freedom Unlimited®,” Yarbrough notes.
  • Determine how you’d like to redeem your rewards. Cash back cards are generally easiest if you want to put your rewards back into your everyday spending. If you don’t mind strategizing, you could earn more valuable points with a travel rewards card. Garrett made sure to keep this option open when choosing the Freedom Unlimited: “I can eventually boost the value of the Freedom Unlimited card’s rewards by adding the Chase Sapphire Preferred to my wallet and redeeming points for travel. Until then, the Freedom Unlimited gives me a stellar foundation on which to build my rewards strategy.”

What people are saying about rewards credit cards

Bankrate regularly dips into social media to see what big rewards card topics are getting people talking. So what’s currently on consumers' minds? 

One of the more popular, newer discussions is over the Credit Card Competition Act (CCCA), a proposed legislation that could potentially damage credit card rewards programs. The fear: if card issuers ultimately make less income on interchange fees, they’ll reduce consumer card reward opportunities to make up the difference. One Reddit user doesn’t have high hopes:

“They did push exactly this measure through a decade ago for debit cards; now the same guy is pushing the same law for credit cards. Optimistic to bet against him, I fear.”*

Reddit user

User comments from financial Youtuber ClearValue Tax’s videos on the topic hold a similar sentiment:

“Rewards is a HUGE reason I use credit cards other than to build credit. If this happens I would go down to having 1 credit card instead of managing 6 for maximum rewards.”*

ClearValue Tax video comment

A piece of legislation like the Credit Card Competition Act could cripple credit card rewards as we know them. The Capital One and Discover merger could potentially impact the CCCA as it currently stands, but we’ll know more about whether the act may change or pass later this year. 

Other than that, it’s business as usual over on other sites like the credit cards subreddit, Flyertalk and Tiktok. Users are mainly talking about the typical point-chasing topics like best rewards program and card combinations. Some things never change — if we’re lucky.  

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

How we assess the best rewards credit cards

Document
150+
cards rated
Congrats
50+
rewards programs valued
Search
1800
data points analyzed
Credit Card Reviews
40+
perks evaluated

When evaluating the best rewards cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best rewards cards.

Here are some of the key factors that we considered:

Have more questions for our credit card editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.


Frequently asked questions about rewards credit cards

Learn more about rewards credit cards

Ask the experts: What's your go-to method for maximizing credit card rewards?


Financial Educator, Debt and Credit

As someone who travels a lot, I focus on travel rewards, mostly hotel accommodations, with no hotel brand affinity. I use an online discount travel site’s branded card, using promo codes at the point of sale. I earn the most points on travel booked through the site, and I also get a bonus on points I’ve redeemed toward past travel purchases. The points can also be used to purchase trips on the site, and points are earned on those purchases as well. I also use the Upromise.com browser extension that lets you know when you can earn an additional 5 percent cash back shopping online that goes automatically into a 529 college savings account.

Contributor, Personal Finance

Most people focus their credit card strategy on how to earn the most points possible and then later think about what they might be able to redeem them for. I think this is backwards. I like to start by knowing what reward I’m working toward, then reverse engineer my earning strategy. I’m not just earning points — I’m earning the right points, and I know I’m going to be able to put them into use! This is much more motivating.

Contributor, Credit Cards

I spend naturally, but use my credit cards for almost every expense. I don't look at how many rewards I have earned monthly because I like being surprised by how many I have to redeem.