Best rewards credit cards of 2025

Make the most of your spending with a rewards card. Get matched to credit cards from our partners based on your unique credit profile.^⍉

See your best matches

Earn rewards for your spending

You can get rewards like points, cash back and miles on your purchases.

Travel for less

Save money for your next trip like discounts on flights or hotels.

Maximize your perks

You can pair multiple cards to earn the most rewards.

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Cash back Rewards For bad credit For fair credit Balance transfer Secured Low interest Student Travel 0% intro APR No annual fee Intro bonus No foreign transaction fee Airline Hotel Gas For building credit For no credit

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118 partner offers

[TEST] ^{Test Credit Offer 1}

Ongoing APR:	^{4.5% Apr Standard}
Rewards:	Cashbackx ( per dollar)
Annual Fee:	²⁰⁰

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Test Short Disclaimer

Rates and fees

Need help deciding?When comparing reward credit cards, consider these factors.

Annual percentage rate (APR)

The APR on credit cards is simply the interest rate the card issuer charges when you don’t pay off your balance in full each month—it doesn’t include the card’s annual fees or other fees you may be charged for using your card. There are several types of APR that can apply to credit cards.

Intro bonus

A credit card intro bonus, also called a welcome bonus, is a benefit that credit card issuers offer new cardholders when they’re approved for the new card. While some intro bonuses offer automatic rewards upon approval, most require you to spend a certain amount on eligible purchases in a given timeframe to qualify. Look for cards with a high intro bonus and a low spending requirement.

Rewards

You can earn rewards like cash back, points or miles. Look for cards that offer around 2 points or miles (or 2% cash back) on everyday spending. Many rewards cards have special categories such as gas, groceries, dining or travel that earn rewards at a higher rate—3x to 6x. Look for rewards that match up where you spend the most.

Annual fee

Some credit cards have an annual fee you'll pay when you first receive the card and at each cardholder anniversary. Take the cost of an annual fee into account when considering which options will benefit you the most over the course of a year.

[TEST] Discover it^® chrome

Intro bonus:	Earn
Intro APR:	0% on Purchases and Balance Transfers for 14 months
Ongoing APR:	14.24% - 25.24% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

View details

Terms Apply

Rates and fees

[TEST] ^{Test Credit Offer2}

Ongoing APR:	^{4.5% Apr Standard}
Rewards:	Cashbackx ( per dollar)
Annual Fee:	²⁰⁰

View details

Test Short Disclaimer

Rates and fees

[TEST] ^{Test Credit Offer 1}

Ongoing APR:	^{4.5% Apr Standard}
Rewards:	Cashbackx ( per dollar)
Annual Fee:	²⁰⁰

View details

Test Short Disclaimer

Rates and fees

[TEST] ^{Test Credit Offer 1}

Ongoing APR:	^{4.5% Apr Standard}
Rewards:	Cashbackx ( per dollar)
Annual Fee:	²⁰⁰

View details

Test Short Disclaimer

Rates and fees

[TEST] ^{Test Credit Offer2}

Ongoing APR:	^{4.5% Apr Standard}
Rewards:	Cashbackx ( per dollar)
Annual Fee:	²⁰⁰

View details

Test Short Disclaimer

Rates and fees

[TEST] ^{Test Credit Offer2}

Ongoing APR:	^{4.5% Apr Standard}
Rewards:	Cashbackx ( per dollar)
Annual Fee:	²⁰⁰

View details

Test Short Disclaimer

Rates and fees

[TEST] ^{Test Credit Offer2}

Ongoing APR:	^{4.5% Apr Standard}
Rewards:	Cashbackx ( per dollar)
Annual Fee:	²⁰⁰

View details

Test Short Disclaimer

Rates and fees

The World Of Hyatt Credit Card

Ongoing APR:	17.99% - 24.99% Variable
Rewards:	N/A*
Annual Fee:	$95

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[TEST] Citi^® Double Cash Card – 18 month BT offer

Intro APR:	0% for 18 months on Balance Test Transfers*
Ongoing APR:	15.74% - 25.74%* (Variable)
Rewards:	2% (cash back)
Annual Fee:	$0*

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Rates and fees

(67 reviews)

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	35.99%*
Rewards:	1% (cash back)
Annual Fee:	$39*

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Rates and fees

[TEST] SAMU-1732-X01-01

Intro bonus:	^100-update
Intro APR:	^{2.5%-update Apr Intro}
Ongoing APR:	^{4.5%-update Apr Standard}
Rewards:	Cashbackx ( per dollar)
Annual Fee:	^20-update0

View details

-updateTest Short Disclaimer

Rates and fees

[TEST] Discover it^® Student Cash Back

Intro bonus:	N/A*
Intro APR:	0% on Purchases and 10.99% on Balance Transfers for 6 months
Ongoing APR:	17.24% - 26.24% Variable APR
Rewards:	N/A*
Annual Fee:	$0

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Rates and fees

[TEST] Discover it^® Cash Back

Intro bonus:	Dollar-for-dollar match of all cash back earned the first year
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	5% (cash back)
Annual Fee:	$0

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Rates and fees

Chase Sapphire Preferred^® Card

Ongoing APR:	17.74% - 24.74% Variable
Rewards:	1x-2x (Points per dollar)
Annual Fee:	$0 intro for the first year, then $95

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USAA^® Rewards™ Visa Signature^® Card

Ongoing APR:	12.15% - 28.15% Variable
Rewards:	1x-2x (Points per dollar)
Annual Fee:	$0

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Rates and fees

One Key+™ Card

Intro bonus:	N/A*
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	N/A*
Annual Fee:	$99

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Rates and fees

[TEST] American Express^® Gold Card

Intro bonus:	Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	See Pay Over Time APR
Rewards:	5% (cash back)
Annual Fee:	$325

View details

Rates and fees

Sony^® Card from Capital One^®

Intro bonus:	N/A*
Intro APR:	N/A
Ongoing APR:	14.99% - 24.99% (Variable)
Rewards:	1x-5x (Points per dollar)
Annual Fee:	$0

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[TEST] Citi Rewards+^® Card

Intro bonus:	Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Ongoing APR:	17.74% - 27.74% (Variable)
Rewards:	5% (cash back)
Annual Fee:	$0

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Rates and fees

MP11 - Test auto import with vind-914

Ongoing APR:	field_roa_apr_standard
Rewards:	N/A*
Annual Fee:	field_roa_annual_fee_000

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Rates and fees

One Key+™ Card

Intro bonus:	Limited Time Offer: Earn $600 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	2x-3x (Points per dollar)
Annual Fee:	$99

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Rates and fees

(1336 reviews)

Capital One VentureOne Rewards for Good Credit

Ongoing APR:	29.74% (Variable)
Rewards:	1.25x-5x (Miles per dollar)
Annual Fee:	$0

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Rates and fees

One Key™ Card

Intro bonus:	Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

(83 reviews)

Hilton Honors American Express Surpass^® Card

Intro bonus:	Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass^® Card in your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	3x-12x (Points per dollar)
Annual Fee:	$150

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Terms Apply

Rates and fees

[TEST] U.S. Bank Smartly™ Visa Signature^® Card

Intro APR:	0% on Purchases and Balance Transfers for 12 billing cycles
Ongoing APR:	18.49% - 28.74% Variable
Rewards:	5% (cash back)
Annual Fee:	$0

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Rates and fees

One Key+™ Card

Intro bonus:	Earn $400 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	2x-3x (Points per dollar)
Annual Fee:	$99

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Rates and fees

Platinum Delta SkyMiles^® Credit Card from American Express

Ongoing APR:	17.99%-26.99% Variable
Rewards:	N/A*
Annual Fee:	$195

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Rates and fees

(149 reviews)

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	35.99%*
Rewards:	1% (cash back)
Annual Fee:	$75*

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Rates and fees

[TEST] Capital One Venture X Rewards Credit Card

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	21x (Points per dollar)
Annual Fee:	$395

View details

Rates and fees

[TEST] First PREMIER^® Bank Mastercard^® Credit Card

Intro bonus:	Unlimited Cashback Match. Discover will automatically match all the cash back you’ve earned at the end of your first year.
Intro APR:	0% on Purchases and Balance Transfers for 14 months
Ongoing APR:	11.99% - 22.99% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

View details

(1585 reviews)

Capital One VentureOne Rewards Credit Card

Intro bonus:	20,000 Miles once you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1.25x-5x (Miles per dollar)
Annual Fee:	$0

View details

Rates and fees

(62 reviews)

Delta SkyMiles^® Platinum American Express Card

Intro bonus:	Earn 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1x-3x (Miles per dollar)
Annual Fee:	$350

View details

Terms Apply

Rates and fees

Test Citi^® / AAdvantage^® Gold World Elite™ MasterCard^®

Intro APR:	0% Intro APR for 15 months on purchases
Ongoing APR:	16.49% - 24.49% Variables
Rewards:	1%-6% (cash back)
Annual Fee:	$50 (waived for the first 12 months)

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Rates and fees

Hilton Honors American Express Card

Ongoing APR:	17.99%-26.99% Variable
Rewards:	N/A*
Annual Fee:	N/A*

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Rates and fees

(9 reviews)

Delta SkyMiles^® Reserve American Express Card

Intro bonus:	Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1x-3x (Miles per dollar)
Annual Fee:	$650

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Terms Apply

Rates and fees

(2965 reviews)

Capital One Savor Cash Rewards Credit Card

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1%-8% (cash back)
Annual Fee:	$0

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Rates and fees

[TEST] SAMU-2071-002

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

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Rates and fees

(302 reviews)

Blue Cash Preferred^® Card from American Express

Intro bonus:	Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Intro APR:	0% on Purchases and Balance Transfers for 12 months
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1%-6% (cash back)
Annual Fee:	$0 intro annual fee for the first year, then $95.

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Terms Apply

Rates and fees

(2297 reviews)

Credit One Bank^® Platinum X5 Visa^® Metal Card

Ongoing APR:	29.49% Variable
Rewards:	1%-5% (cash back)
Annual Fee:	$95

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Terms Apply

Rates and fees

(2904 reviews)

Capital One Quicksilver Cash Rewards Credit Card

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

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Rates and fees

(272 reviews)

Delta SkyMiles^® Gold American Express Card

Intro bonus:	Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1x-2x (Miles per dollar)
Annual Fee:	$0 introductory annual fee for the first year, then $150.

View details

Terms Apply

Rates and fees

(349 reviews)

Chase Sapphire Preferred^® Card

Intro bonus:	Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Ongoing APR:	19.99% - 28.24% Variable
Rewards:	1x-5x (Points per dollar)
Annual Fee:	$95

View details

(346 reviews)

Capital One Venture Rewards Credit Card

Intro bonus:	75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	2x-5x (Miles per dollar)
Annual Fee:	$95

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Rates and fees

Bank of America^® Travel Rewards credit card

Intro bonus:	110$
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	10x (Points per dollar)
Annual Fee:	$0

View details

S Disclaimer text_updated

Rates and fees

(28 reviews)

Marriott Bonvoy Brilliant^® American Express^® Card

Intro bonus:	Earn up to 150,000 Marriott Bonvoy^® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	2x-6x (Points per dollar)
Annual Fee:	$650

View details

Terms Apply

Rates and fees

One Key™ Card

Intro bonus:	Limited Time Offer: Earn $400 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

[TEST] Capital One Venture X Rewards Credit Card TESTV6

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	40x-50x (Miles per dollar)
Annual Fee:	$395

View details

Rates and fees

[TEST] Capital One Venture X Rewards Credit Card

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	21x (Points per dollar)
Annual Fee:	$395

View details

Rates and fees

(35 reviews)

Capital One Venture X Rewards Credit Card

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	2x-10x (Miles per dollar)
Annual Fee:	$395

View details

Rates and fees

(65 reviews)

First Latitude Platinum MasterCard^® Secured Credit Card

Ongoing APR:	28.24% Variable
Rewards:	1% (cash back)
Annual Fee:	$0

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Rates and fees

[TEST] SAMU-2071-005

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] Marriott Bonvoy Brilliant^® American Express^® Card

Intro bonus:	Earn 95,000 Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Ongoing APR:	20.99%-29.99% Variable
Rewards:	x ( per dollar)
Annual Fee:	$650

View details

Rates and fees

[TEST] SAMU-2073-003

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

(1131 reviews)

Discover it^® Chrome

Intro bonus:	Discover will match all the cash back you’ve earned at the end of your first year
Intro APR:	0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	1%-2% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] SAMU-2071-001

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] GenAI Summary Test Bank of America^® Customized Cash Rewards credit card

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

SoFi Credit Card

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	17.99% - 29.99% Variable
Rewards:	2% (cash back)
Annual Fee:	$0

View details

Rates and fees

(1917 reviews)

Credit One Bank American Express^® Unlimited Rewards Card

Ongoing APR:	29.49% Variable
Rewards:	1% (cash back)
Annual Fee:	$0

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Terms Apply

Rates and fees

(179 reviews)

Credit One Bank^® NASCAR^® American Express^® Credit Card for Rebuilding Credit

Ongoing APR:	28.99% Variable
Rewards:	1% (cash back)
Annual Fee:	$75 First year. $99 thereafter, billed monthly at $8.25

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Terms Apply

Rates and fees

The Platinum Card^® from American Express

Ongoing APR:	N/A
Rewards:	N/A*
Annual Fee:	$550

View details

Rates and fees

(203 reviews)

Delta SkyMiles^® Blue American Express Card

Intro bonus:	Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1x-2x (Miles per dollar)
Annual Fee:	$0

View details

Terms Apply

Rates and fees

[TEST] SAMU-1575-001_updated

Ongoing APR:	10
Rewards:	10x (Points per dollar)
Annual Fee:	110

View details

S Disclaimer text_updated

Rates and fees

(1323 reviews)

Citi Double Cash^® Card

Intro APR:	0% for 18 months on Balance Transfers
Ongoing APR:	18.24% - 28.24% (Variable)
Rewards:	2% (cash back)
Annual Fee:	$0

Apply View details

Rates and fees

(375 reviews)

Discover it^® Miles

Intro bonus:	Discover will match all the Miles you’ve earned at the end of your first year
Intro APR:	0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	1.5x (Miles per dollar)
Annual Fee:	$0

View details

Rates and fees

USAA Credit Card

Intro bonus:	Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	1x-3x (Points per dollar)
Annual Fee:	$0

View details

Rates and fees

(398 reviews)

The OpenSky^® Secured Visa^® Credit Card

Ongoing APR:	24.64% Variable
Rewards:	10% (cash back)
Annual Fee:	$35

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Rates and fees

(4 reviews)

Marriott Bonvoy Bevy^® American Express^® Card

Intro bonus:	Earn up to 135,000 Marriott Bonvoy^® bonus points. Earn 85,000 points after you spend $5,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	2x-6x (Points per dollar)
Annual Fee:	$250

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Terms Apply

Rates and fees

USAA Credit Card

Intro bonus:	Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	1x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

[TEST] SAMU-2073-004

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

(32 reviews)

Costco Anywhere Visa^® Card by Citi

Ongoing APR:	19.49% - 27.49% (Variable)
Rewards:	1%-5% (cash back)
Annual Fee:	$0

Apply View details

Rates and fees

(7 reviews)

AT&T Points Plus^® Card from Citi

Ongoing APR:	20.24% - 28.24% (Variable)
Rewards:	1x-3x (Points per dollar)
Annual Fee:	N/A

Apply View details

Rates and fees

(57 reviews)

Credit One Bank^® Secured Card

Ongoing APR:	28.99% Variable
Rewards:	1% (cash back)
Annual Fee:	$0

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Terms Apply

Rates and fees

(76 reviews)

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	29.99%*
Rewards:	2% (cash back)
Annual Fee:	$0*

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Rates and fees

[TEST] Capital One Quicksilver Cash Rewards Credit Card

Intro bonus:	Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	5% (cash back)
Annual Fee:	$0

View details

Rates and fees

Capital One^® Premier Dining Rewards Credit Card

Ongoing APR:	15.49% - 24.49% (Variable)
Rewards:	1%-3% (cash back)
Annual Fee:	$0

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[TEST] American Express^® Gold Card

Intro bonus:	Earn 35,000 Membership Rewards^® Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
Ongoing APR:	See Rates & Fees
Rewards:	3x-4x (Points per dollar)
Annual Fee:	$250

View details

Terms Apply

Rates and fees

American Express^® Gold Card

Ongoing APR:	See Rates & Fees
Rewards:	N/A*
Annual Fee:	$250

View details

Rates and fees

[TEST] SAMU-2071-003

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

View details

Rates and fees

[TEST] Capital One Venture Rewards Credit Card

Intro bonus:	75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	5% (cash back)
Annual Fee:	$95

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(9199 reviews)

Discover it^® Cash Back

Intro bonus:	Discover will match all the cash back you’ve earned at the end of your first year
Intro APR:	0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	1%-5% (cash back)
Annual Fee:	$0

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Rates and fees

(85 reviews)

American Airlines AAdvantage^® MileUp^® Card

Intro APR:	0% for 15 months on Balance Transfers
Ongoing APR:	20.24% - 29.24% (Variable)
Rewards:	2x (Miles per dollar)
Annual Fee:	$0

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Rates and fees

[TEST] Capital One Quicksilver Cash Rewards Credit Card TESTV6

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	7% (cash back)
Annual Fee:	N/A

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Rates and fees

Wells Fargo Active Cash℠ Card test test test

Intro bonus:	Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
Intro APR:	0% Intro APR for 15 months from account opening on purchases and qualifying balance transfers
Ongoing APR:	14.99%-24.99% (Variable)
Rewards:	2% (cash back)
Annual Fee:	$0

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Rates and fees

(967 reviews)

Wells Fargo Active Cash^® Card

Intro bonus:	Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Intro APR:	0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	2% (Cash Rewards)
Annual Fee:	$0

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Rates and fees

(780 reviews)

Capital One QuicksilverOne Cash Rewards Credit Card

Ongoing APR:	29.74% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$39

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Rates and fees

(405 reviews)

Chase Freedom Unlimited^®

Intro bonus:	Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Intro APR:	0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR:	18.99% - 28.49% Variable
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

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(37 reviews)

Citi Strata Premier℠ Card

Intro bonus:	Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Ongoing APR:	20.24% - 28.24% (Variable)
Rewards:	1x-10x (Points per dollar)
Annual Fee:	$95

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Rates and fees

Avant^® Cashback Rewards Mastercard^®

Ongoing APR:	35.99%*
Rewards:	1% (cash back)
Annual Fee:	$0*

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Rates and fees

(155 reviews)

Platinum Prestige Mastercard^® Secured Credit Card

Ongoing APR:	14.24% Variable
Rewards:	1% (cash back)
Annual Fee:	$49

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Rates and fees

(27 reviews)

Chase Sapphire Reserve^®

Intro bonus:	Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Ongoing APR:	20.24% - 28.74% Variable
Rewards:	1x-3x (Points per dollar)
Annual Fee:	$550

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[TEST] SAMU-2073-0015

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

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Rates and fees

(550 reviews)

Credit One Bank^® Wander^® American Express^® with Dining, Gas & Travel Rewards

Ongoing APR:	29.49% Variable
Rewards:	1x-10x (Points per dollar)
Annual Fee:	$95

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Terms Apply

Rates and fees

[TEST] SAMU-2073-001

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

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Rates and fees

(1976 reviews)

Blue Cash Everyday^® Card from American Express

Intro bonus:	Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	20.24%-29.24% Variable
Rewards:	1%-3% (cash back)
Annual Fee:	$0

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Terms Apply

Rates and fees

(667 reviews)

Hilton Honors American Express Card

Intro bonus:	Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Card in your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	3x-7x (Points per dollar)
Annual Fee:	$0

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Terms Apply

Rates and fees

[TEST] Capital One Venture Rewards Credit Card - update

Intro bonus:	75,000 Miles once you spend $4,000 on purchases within 3 months from account openingv
Ongoing APR:	19.99% - 29.49% (Variable)v
Rewards:	N/A*
Annual Fee:	$950

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Rates and fees

(31 reviews)

Platinum Select Mastercard^® Secured Credit Card

Ongoing APR:	18.24% Variable
Rewards:	1% (cash back)
Annual Fee:	$39

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Rates and fees

LEND714 Citi^® / AAdvantage^® Gold World Elite™ MasterCard^®

Ongoing APR:	16.49% - 24.49% Variables
Rewards:	1%-5-8% (cash back)
Annual Fee:	$50 (waived for the first 12 months)

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(139 reviews)

Capital One Quicksilver Secured Cash Rewards Credit Card

Ongoing APR:	29.74% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

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Rates and fees

(1276 reviews)

Capital One Savor Cash Rewards for Good Credit

Ongoing APR:	29.74% (Variable)
Rewards:	1%-8% (cash back)
Annual Fee:	$0

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Rates and fees

(3 reviews)

One Key™ Card

Intro bonus:	Limited Time Offer: Earn $400 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

MP13 - Test auto import with vind-914

Ongoing APR:	field_roa_apr_standard
Rewards:	N/A*
Annual Fee:	field_roa_annual_fee_000

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Rates and fees

(528 reviews)

American Express^® Gold Card

Intro bonus:	Earn 60,000 Membership Rewards^® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	See Pay Over Time APR
Rewards:	1x-4x (Points per dollar)
Annual Fee:	$325

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Terms Apply

Rates and fees

(339 reviews)

The Platinum Card^® from American Express

Intro bonus:	Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Ongoing APR:	See Pay Over Time APR
Rewards:	1x-5x (Points per dollar)
Annual Fee:	$695

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Terms Apply

Rates and fees

(5103 reviews)

Credit One Bank American Express^® Credit Card

Ongoing APR:	29.49% Variable
Rewards:	1% (cash back)
Annual Fee:	$39

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Terms Apply

Rates and fees

(765 reviews)

Capital One Quicksilver Cash Rewards for Good Credit

Ongoing APR:	29.74% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

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Rates and fees

Wells Fargo Cash Wise Visa^® card

Intro APR:	0% for 15 months on purchases and 0% for 15 months on qualifying balance transfers
Ongoing APR:	15.49%-27.49% (Variable)
Rewards:	N/A*
Annual Fee:	$0

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Rates and fees

[TEST] SAMU-2073-002

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

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Rates and fees

[TEST]

Intro bonus:	test bonus
Ongoing APR:	N/A*
Rewards:	x ( per dollar)
Annual Fee:	N/A*

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(265 reviews)

Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^®

Ongoing APR:	20.24% - 29.24% (Variable)
Rewards:	2x (Miles per dollar)
Annual Fee:	$99, waived for first 12 months

Apply View details

Rates and fees

[TEST] SAMU-1600-001

Intro bonus:	Intro bonus
Intro APR:	11
Ongoing APR:	111
Rewards:	1% (Cash Rewards)
Annual Fee:	1111

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Rates and fees

[TEST] SAMU-2071-006

Intro bonus:	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	3% (cash back)
Annual Fee:	$0

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Rates and fees

[TEST] SAMU-1959-003

Intro bonus:	N/A*
Intro APR:	0% on Purchases and 10.99% on Balance Transfers for 6 months
Ongoing APR:	18.24% - 27.24% Variable APR
Rewards:	N/A*
Annual Fee:	$0

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Rates and fees

Blue Cash Everyday^® Card from American Express

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	15.24%-26.24% Variable
Rewards:	N/A*
Annual Fee:	$0

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Rates and fees

(494 reviews)

Capital One^® Quicksilver^® Cash Rewards Credit Card

Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	15.49% - 25.49% (Variable)
Rewards:	1% (cash back)
Annual Fee:	$0

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Rates and fees

(2 reviews)

One Key+™ Card

Intro bonus:	Limited Time Offer: Earn $600 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	2x-3x (Points per dollar)
Annual Fee:	$99

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Rates and fees

(13101 reviews)

Credit One Bank American Express^® Card for Rebuilding Credit

Ongoing APR:	29.49% Variable
Rewards:	1% (cash back)
Annual Fee:	$75 First year. $99 thereafter, billed monthly at $8.25

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Terms Apply

Rates and fees

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

How to find the best rewards credit card

Figure out which rewards work for you

Decide if you want to earn cash back, points or miles and find the card the fits your spending habits.

Look for intro bonuses

Many rewards credit cards offer an intro bonus when you’re approved.

Be aware of annual fees

Consider annual fees and figure out if the rewards you receive would outweigh the cost of the annual fee.

Pay zero interest

A 0% intro APR could help you pay off debt with a balance transfer or make a large purchase without paying interest.

Start with your FICO^® Score^Θ and see card offers matched to your credit profile.

Get started for free

Frequently asked questions

Rewards credit cards offer cash back, points or miles when you make eligible purchases. In some cases, you'll also earn rewards through an intro bonus. Most cards will require you to spend a certain amount before you get the bonus rewards. But in some cases, you simply need to make one purchase to qualify. Just make sure you pay off the purchase quickly so you don't end up paying a lot in interest just to get the bonus.

Redeeming rewards can vary from card to card, but generally include these options:

Deposit into your bank account
Statement credit
Travel, like flights and hotel stays
Gift cards
Charitable donations
Merchandise

In general, you need a good to excellent credit score to get a rewards credit card. The exact credit score you need for a rewards credit card varies based on the credit card issuer's requirements. There are rewards cards geared toward applicants with bad credit, fair credit, good credit and excellent credit. The higher your credit score, the better rewards card you'll qualify for, which means you'll benefit from a better rewards program.

The rewards you earn with your credit card generally doesn't expire while your account remains open. However if you close your card, you will likely forfeit any rewards. However, you'll often have a small window of time when you can redeem your rewards after closing your card—it depends on the card issuer's rules and card's terms.

Generally, there is no limit to how many points, miles or cash back you can earn. Although, some cards may limit how much spending is eligible for certain bonus categories. For example, if your rewards credit card receives 5% cash back on dining purchases up to $1,500 a quarter, then you will get 5% back until you spend $1,500 and everything after that will earn rewards at your base rate, which is generally 1%.

Most rewards cards don't allow you to transfer your rewards to someone else. However, you may be able to indirectly gift your credit card rewards. Some rewards programs allow you to convert your rewards into airline miles or hotel points. Afterwards, you can transfer them to someone else.

If you're looking for a way to rack up as much as possible in rewards, here are some tips to help you out:

Earn points fast with welcome bonuses.
Use your card for everything you reasonably can—as long as you can pay off the balance each month.
Get multiple credit cards that complement each other's rewards rates based on your spending habits.
Pay your bills on time and in full every month to avoid interest charges and dings to your credit score.
If you're earning travel rewards, make sure you understand all of your redemption options so you don't leave money on the table.

In addition to cash back, points or miles, many credit cards also offer insurance protection and other credit card benefits that can provide a lot of value. Some of the more basic perks include:

Rental car insurance
Purchase protection
Extended warranty coverage
Travel insurance
Cellphone protection

With some travel cards, you may also get things like:

Global Entry or TSA Precheck application fee credits
Credits for travel purchases
Complimentary airport lounge access
Trip cancellation or interruption insurance
Lost luggage reimbursement and delayed baggage insurance

As you compare cards, look beyond the rewards to ensure you're getting the most value based on how you plan to use your new card.

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