Best rewards credit cards of 2025

12.15% - 28.15% Variable

1x-2x (Points per dollar)

$0

N/A*

N/A

14.99% - 24.99% (Variable)

1x-5x (Points per dollar)

$0

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.

See Pay Over Time APR

5% (cash back)

$325

^{4.5% Apr Standard}

Cashbackx ( per dollar)

²⁰⁰

^100-update

^{2.5%-update Apr Intro}

^{4.5%-update Apr Standard}

Cashbackx ( per dollar)

^20-update0

^{4.5% Apr Standard}

Cashbackx ( per dollar)

²⁰⁰

^{4.5% Apr Standard}

Cashbackx ( per dollar)

²⁰⁰

^{4.5% Apr Standard}

Cashbackx ( per dollar)

²⁰⁰

^{4.5% Apr Standard}

Cashbackx ( per dollar)

²⁰⁰

Earn

0% on Purchases and Balance Transfers for 14 months

14.24% - 25.24% Variable

1%-2% (cash back)

$0

^{4.5% Apr Standard}

Cashbackx ( per dollar)

²⁰⁰

N/A*

19.24%, 24.24%, or 29.24% Variable APR

N/A*

$99

N/A*

0% on Purchases and 10.99% on Balance Transfers for 6 months

17.24% - 26.24% Variable APR

N/A*

$0

You may be eligible for as high as 100,000 Membership Rewards^® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

See Pay Over Time APR

1x-4x (Points per dollar)

$325

Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

0% on Purchases and Balance Transfers for 15 billing cycles

18.24% - 28.24% Variable

3% (cash back)

$0

15.49% - 24.49% (Variable)

1%-3% (cash back)

$0

Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

0% on Purchases and Balance Transfers for 15 billing cycles

18.24% - 28.24% Variable

3% (cash back)

$0

N/A*

0% on Purchases and 10.99% on Balance Transfers for 6 months

18.24% - 27.24% Variable APR

N/A*

$0

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. Offer Ends 10/29/2025.

20.24%-29.24% Variable

1x-2x (Miles per dollar)

$0 introductory annual fee for the first year, then $150.

24.64% Variable

10% (cash back)

$35

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

0% intro APR for 15 months on Purchases and Balance Transfers

18.24% - 27.24% Variable APR

1%-5% (cash back)

$0

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.

XX.XX%, XX.XX%, or XX.XX% Variable APR

2x-3x (Points per dollar)

$99

You may be eligible for as high as 175,000 Membership Rewards^® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

See Pay Over Time APR

1x-5x (Points per dollar)

$695

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

19.24%, 24.24%, or 29.24% Variable APR

1x-3x (Points per dollar)

$0

Earn 125,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.

20.24%-29.24% Variable

1x-3x (Miles per dollar)

$650

19.24% - 29.24% (Variable)

1.5%-5% (cash back)

$0

Earn $300 in welcome bonuses with a limited-time $100 Capital One Travel credit, plus earn $200 cash bonus with $500 spend within 3 months from account opening

0% on Purchases and Balance Transfers for 12 months

19.24% - 29.24% (Variable)

1%-8% (cash back)

$0

35.99%*

1% (cash back)

$0*

Earn 185,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

20.24%-29.24% Variable

2x-6x (Points per dollar)

$650

29.49% Variable

1%-5% (cash back)

$95

35.99%*

1% (cash back)

$39*

0% for 18 months on Balance Transfers

18.24% - 28.24% (Variable)

2% (cash back)

$0

28.24% Variable

1% (cash back)

$0

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.

19.24%, 24.24%, or 29.24% Variable APR

1.5x-3x (Points per dollar)

$0

Unlimited Cashback Match. Discover will automatically match all the cash back you’ve earned at the end of your first year.

0% on Purchases and Balance Transfers for 14 months

11.99% - 22.99% Variable

1%-2% (cash back)

$0

Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

0% on Purchases and Balance Transfers for 15 billing cycles

18.24% - 28.24% Variable

3% (cash back)

$0

Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

0% on Purchases and Balance Transfers for 15 billing cycles

18.24% - 28.24% Variable

3% (cash back)

$0

29.99%*

2% (cash back)

$0*

Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership.

20.24%-29.24% Variable

3x-7x (Points per dollar)

$0

29.49% Variable

1% (cash back)

$75 First year. $99 thereafter, billed monthly at $8.25

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

0% on Purchases and Balance Transfers for 12 months

20.24%-29.24% Variable

1%-6% (cash back)

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

0% on Purchases and Balance Transfers for 12 billing cycles

18.49% - 28.74% Variable

5% (cash back)

$0

75,000 Miles once you spend $4,000 on purchases within 3 months from account opening

19.99% - 29.24% (Variable)

5% (cash back)

$95

test bonus

N/A*

x ( per dollar)

N/A*

Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

0% on Purchases and Balance Transfers for 15 billing cycles

18.24% - 28.24% Variable

3% (cash back)

$0

$200 Cash Back after you spend $500 on purchases within 3 months from account opening

0% on Purchases and Balance Transfers for 15 months

19.99% - 29.99% (Variable)

7% (cash back)

N/A

Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

0% on Purchases and Balance Transfers for 15 billing cycles

18.24% - 28.24% Variable

3% (cash back)

$0

110$

0% on Purchases and Balance Transfers for 15 billing cycles

18.24% - 28.24% Variable

10x (Points per dollar)

$0

UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles to 70,000 Miles.

0% intro APR for 15 months on Purchases and Balance Transfers

18.24% - 27.24% Variable APR

1.5x (Miles per dollar)

$0

Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

0% on Purchases and Balance Transfers for 15 billing cycles

18.24% - 28.24% Variable

3% (cash back)

$0

Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

0% on Purchases and Balance Transfers for 15 billing cycles

18.24% - 28.24% Variable

3% (cash back)

$0

Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months

0% Intro APR for 15 months from account opening on purchases and qualifying balance transfers

14.99%-24.99% (Variable)

2% (cash back)

$0

0% for 18 months on Balance Transfers

18.24% - 28.24% (Variable)

2% (cash back)

$0

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.

XX.XX%, XX.XX%, or XX.XX% Variable APR

2x-3x (Points per dollar)

$99

Earn 155,000 Marriott Bonvoy^® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.

20.24%-29.24% Variable

2x-6x (Points per dollar)

$250

29.49% Variable

1% (cash back)

$0

Earn $300 in welcome bonuses with a limited-time $100 Capital One Travel credit, plus earn $200 cash bonus with $500 spend within 3 months from account opening

0% on Purchases and Balance Transfers for 15 months

19.24% - 29.24% (Variable)

1.5%-5% (cash back)

$0

29.74% (Variable)

1.5%-5% (cash back)

$39

18.24% Variable

1% (cash back)

$39

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.

20.24% - 28.24% (Variable)

1x-10x (Points per dollar)

$95

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

19.24%, 24.24%, or 29.24% Variable APR

1x-3x (Points per dollar)

$0

For a limited time, earn 80,000 bonus Points after spending $4,000 in the first 3 months of account opening​

21.24% - 29.24% (Variable)

1.5x-12x (Points per dollar)

$595

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

0% on Purchases and Balance Transfers for 15 months

20.24%-29.24% Variable

1%-3% (cash back)

$0

0% for 15 months on Balance Transfers

20.24% - 29.24% (Variable)

2x (Miles per dollar)

$0

75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening

19.99% - 29.24% (Variable)

2x-10x (Miles per dollar)

$395

0% on Purchases and Balance Transfers for 15 months

15.49% - 25.49% (Variable)

1% (cash back)

$0

29.74% (Variable)

1%-8% (cash back)

$0

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.

20.24%-29.24% Variable

1x-2x (Miles per dollar)

$0

20,000 Miles once you spend $500 on purchases within 3 months from account opening

0% on Purchases and Balance Transfers for 15 months

19.24% - 29.24% (Variable)

1.25x-5x (Miles per dollar)

$0

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. Offer Ends 10/29/2025.

20.24%-29.24% Variable

1x-3x (Miles per dollar)

$350

75,000 Miles once you spend $4,000 on purchases within 3 months from account opening

19.99% - 29.24% (Variable)

2x-5x (Miles per dollar)

$95

19.24% - 29.24% (Variable)

1%-8% (cash back)

$0

Earn 35,000 Membership Rewards^® Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.

See Rates & Fees

3x-4x (Points per dollar)

$250

14.24% Variable

1% (cash back)

$49

For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

19.24% - 29.24% (Variable)

1x-5x (Points per dollar)

$0

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

0% on Purchases and Balance Transfers for 15 months

19.99% - 29.99% (Variable)

5% (cash back)

$0

35.99%*

1% (cash back)

$75*

29.49% Variable

1% (cash back)

$0

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.

20.24%-29.24% Variable

3x-12x (Points per dollar)

$150

29.49% Variable

1%-10% (cash back)

$95

10

10x (Points per dollar)

110

0% for 18 months on Balance Test Transfers*

15.74% - 25.74%* (Variable)

2% (cash back)

$0*

29.74% (Variable)

1.5%-5% (cash back)

$0

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

0% intro APR for 6 Months on Purchases and 0% intro APR for 18 Months on Balance Transfers

18.24% - 27.24% Variable APR

1%-2% (cash back)

$0

N/A

N/A*

$550

Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

0% on Purchases and Balance Transfers for 15 billing cycles

18.24% - 28.24% Variable

3% (cash back)

$0

75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening

19.99% - 29.24% (Variable)

21x (Points per dollar)

$395

75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening

19.99% - 29.99% (Variable)

21x (Points per dollar)

$395

16.49% - 24.49% Variables

1%-5-8% (cash back)

$50 (waived for the first 12 months)

17.99%-26.99% Variable

N/A*

$195

Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

0% on Purchases and Balance Transfers for 15 billing cycles

18.24% - 28.24% Variable

3% (cash back)

$0

See Rates & Fees

N/A*

$250

0% on Purchases and Balance Transfers for 15 months

17.99% - 29.99% Variable

2% (cash back)

$0

field_roa_apr_standard

N/A*

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75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening

19.99% - 29.99% (Variable)

40x-50x (Miles per dollar)

$395

75,000 Miles once you spend $4,000 on purchases within 3 months from account openingv

19.99% - 29.49% (Variable)v

N/A*

$950

20.24% - 29.24% (Variable)

2x (Miles per dollar)

$99, waived for first 12 months

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

0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

19.24%, 24.24%, or 29.24% Variable APR

2% (Cash Rewards)

$0

0% Intro APR for 15 months on purchases

16.49% - 24.49% Variables

1%-6% (cash back)

$50 (waived for the first 12 months)

17.99%-26.99% Variable

N/A*

N/A*

field_roa_apr_standard

N/A*

field_roa_annual_fee_000

Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

0% on Purchases and Balance Transfers for 15 billing cycles

18.24% - 28.24% Variable

3% (cash back)

$0

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.

20.99%-29.99% Variable

x ( per dollar)

$650

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.

XX.XX%, XX.XX%, or XX.XX% Variable APR

1.5x-3x (Points per dollar)

$0

29.49% Variable

1% (cash back)

$39

0% on Purchases and Balance Transfers for 15 months

15.24%-26.24% Variable

N/A*

$0

Intro bonus

11

111

1% (Cash Rewards)

1111

29.74% (Variable)

1.25x-5x (Miles per dollar)

$0