The credit card rewards game is getting more and more enticing for U.S. consumers. Whether you are looking for a huge signup bonus, free travel, shopping and dining vouchers, or eye-watering cash rewards, we've made sure there's a card that suits your lifestyle needs. Use our credit card comparison tool to get a more detailed comparison of which credit card would be best for you. Earn rewards as you shop with the best rewards cards for this quarter.

GET.com's Best Rewards Credit Cards

Best ForCredit Card
Cash BonusCapital One® Savor® Cash Rewards Credit Card
Bonus PointsBank of America® Premium Rewards® Visa® credit card
Up To 3% Cash BackBank of America® Cash Rewards credit card - $200 Cash Rewards Offer
Unlimited Cash BackChase Freedom Unlimited®
TravelCapital One® Venture® Rewards Credit Card
AirlineChase Sapphire Preferred® Card

Best Cashback Rewards Credit Cards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> Savor<sup>®</sup> Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

N/A

16.24% - 25.24% (Variable)

$0 intro for first year; $95 after that

Excellent, Good

Capital One® Savor® Cash Rewards Credit Card has a great one time $300 cash bonus after you spend $3000 on purchases within the first 3 months of card ownership. Earn unlimited 4% cash back on dining and entertainment, 2% on purchases at grocery stores and 1% on all other purchases you make - plus, earn 8% cash back on tickets at Vivid Seats through May 2020. The cash back you earn won't expire for as long as your account is open and there is absolutely no limit to how much you can earn. No sign-ups needed to earn your cash rewards. As a Capital One cardholder you will also get access to premium experiences in entertainment, dining and more. There is a $0 intro annual fee for the first year, $95 after that.

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Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Bank of America<sup>®</sup> Premium Rewards<sup>®</sup> Visa<sup>®</sup> credit card

Bank of America® Premium Rewards® Visa® credit card

APPLY NOWAt Bank of America's secure website
  • Receive 50,000 bonus points- a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Receive 50,000 bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
APPLY NOWAt Bank of America's secure website

N/A

17.74% - 24.74% Variable APR

$95 annual fee

Excellent/Good

Bank of America® Premium Rewards® Visa® credit card lets you receive 50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening. Earn 2 points for every $1 on purchases made on travel and dining and 1.5 points per $1 spent on all other purchases. These points are unlimited, don't expire and can be redeemed for gift cards, a statement credit, deposit into eligible Bank of America® or Merrill® accounts like checking, savings, and 529, or use at the Bank of America Travel Center. Get up to $200 in combined Airline Incidental and TSA Pre✓®/ Global Entry statement credits. If you're a Bank of America Preferred Rewards client, you can get a 25%-75% rewards bonus on every purchase. This card has a $95 annual fee.


Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Bank of America<sup>®</sup> Cash Rewards credit card - $200 Cash Rewards Offer

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

APPLY NOWAt Bank of America's secure website
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
APPLY NOWAt Bank of America's secure website

0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days

15.74% - 25.74% Variable APR

$0

Why we like it
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
We least like
  • 3% foreign transaction fee.
Excellent/Good

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer is one of the top cards at GET.com that offers good cash back on the category of your choice (to choose between gas, online shopping, dining, travel, drug stores, or home improvement /furnishings). You earn 2% cash back at grocery stores and wholesale clubs as well as 3% cash back on the category of your choice on the first $2,500 you spend on combined grocery store, wholesale clubs and choice category each quarter. All other purchases earn 1% cash back. The awesome part is that it has no annual fee, so any cash rewards you earn are pure savings. Cash back does not expire. For new cardmembers only: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Preferred Rewards clients can get a 25% - 75% rewards bonus on every purchase. Enjoy a 0% intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, and 15.74% - 25.74% variable APR thereafter. You will pay balance transfer fees equal to 3% of the amount of each transaction or $10, whichever is greater. Here's our Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer review.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Chase Freedom Unlimited<sup>®</sup>

Chase Freedom Unlimited®

APPLY NOWAt Chase's secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Free credit score, updated weekly with Credit JourneySM
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
APPLY NOWAt Chase's secure website

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

16.74% - 25.49% Variable

$0

Why we like it
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Excellent/Good

Chase Freedom Unlimited® gives you a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on every purchase automatically (no quarterly activation needed). This cash back card has no annual fee and comes with a 0% intro APR for 15 months from account opening on purchases and balance transfers, after which a regular 16.74% - 25.49% variable APR applies. That intro period makes this a good card to transfer credit card debt onto, so you can work on paying it off during the introductory low-APR period. Just note that there is an intro balance transfer fee of 3% when you transfer during the first 60 days of account opening, with a minimum of $5. After that, either $5 or 5% of the amount of each transfer, whichever is greater.. Get more info in our full review of Chase Freedom Unlimited® here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Chase Freedom<sup>®</sup>

Chase Freedom®

APPLY NOWAt Chase's secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases – it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
APPLY NOWAt Chase's secure website

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

16.74% - 25.49% Variable

$0

Why we like it
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases - it's automatic.
Excellent/Good

Chase Freedom® is a great cash back card as it lets you earn 5% cash back in quarterly changing categories (each quarter that you activate), up to $1,500 in combined purchases each quarter. You earn an unlimited 1% cash back on all other purchases. Cash back rewards do not expire. The card has a great signup bonus for new cardmembers: Earn a $150 Bonus after you spend $500 on purchases within the first 3 months of account opening. Chase Freedom® offers a 0% intro APR for 15 months for purchases and balance transfers. After that, there's a 16.74% - 25.49% variable APR on both balance transfers and purchases. The balance transfer fee is 3% (min. $5) when you transfer during the first 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater. No annual fee. Here's our Chase Freedom® review.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi<sup>®</sup> Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

APPLY NOWAt Citi's secure website
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.74% - 25.74% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
APPLY NOWAt Citi's secure website

0% intro APR for 18 months on Balance Transfers

15.74% - 25.74% (Variable)

$0

Why we like it
  • Earn cash back TWICE. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Introductory APR offer.
Excellent, Good

Citi® Double Cash Card – 18 month BT offer, a partner card, lets you earn 2% cash back on your purchases with 1% cash back when you buy, plus an additional 1% as you pay for those purchases. We like that you are rewarded for being a responsible cardholder! Earn unlimited cash back without the need to enroll in any program. The cash back that you earn can be redeemed for statement credit, checks or gift cards. One standout benefit of Citi® Double Cash Card – 18 month BT offer is the complimentary Citi® Price Rewind service which checks for a lower online price for the same item you bought with this card and registered within 60 days of purchase. If a better deal is found, you can request for a refund of the difference, subject to terms and conditions. This card comes with a 0% intro APR for 18 months on balance transfers. There is a 15.74% - 25.74% variable APR on purchases and balance transfers thereafter, depending on your creditworthiness. You can see the applicable balance transfer fee and find out how making a balance transfer impacts interest on purchases by clicking the "Apply Now" button. Here's our review of Citi® Double Cash Card – 18 month BT offer.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Blue Cash Preferred<sup>®</sup> Card from American Express

Blue Cash Preferred® Card from American Express

APPLY NOWAt American Express' secure website
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • New 6% Cash Back on select U.S. streaming subscriptions.
  • New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

0% intro APR on purchases and balance transfers for 12 months

14.74%-25.74% Variable

$95

Excellent, Good

Blue Cash Preferred® Card from American Express, a GET.com advertiser, is undoubtedly a highly rewarding card for people and families who do most of their spending at U.S. supermarkets, as you can earn 6% cash back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%). You can also earn 6% Cash Back on select U.S. streaming subscriptions. You earn 3% cash back at U.S. gas stations and on transit, 1% cash back on the rest of your purchases. You will receive your cash back as Reward Dollars that you can redeem as a statement credit, gift cards and merchandise. Earn $250 back in the form of a statement credit after you spend $1,000 in purchases on your new Card in the first 3 months. If you spend at least $105 per month at US supermarkets, the cash back you earn will already cover the annual fee, which means that the gas rewards, plus 1% cash back on all other purchases will be your real savings. We like that you can also earn cash back for recurring spending, like your phone bill. There is a $95 annual fee (See Rates & Fees). Here's our review of Blue Cash Preferred® Card from American Express. This card has a 0% intro APR on purchases and balance transfers for 12 months (See Rates & Fees) with a 14.74% - 25.74% variable APR (See Rates & Fees) thereafter. Overall, Blue Cash Preferred® Card from American Express is an excellent choice for families and those who frequently shop at US supermarkets. Terms apply.

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

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> SavorOne<sup>®</sup> Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

0% intro on purchases and balance transfers for 15 months

15.74% - 25.74% (Variable)

$0

Excellent, Good

Capital One® SavorOne® Cash Rewards Credit Card is a handy credit card that lets you earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases you make. So whether you're dining out at your favorite restaurant or shopping at grocery stores, you're still earning cash back. Plus you still earn 1% cash back on everything else you purchase with this card. As an added perk you earn a one-time $150 cash bonus after you spend $500 on purchases in the first 3 months opening your account. Unlike some other cards out there, this card has no rotating categories or sign-ups needed to earn your cash rewards, cash back won't expire for as long as you have your account open and there's no limit to how much you can earn. This card has a 0% intro APR on purchases and balance transfers for 15 months and a 15.74% - 25.74% variable APR thereafter. $0 annual fee. Here's our Capital One® SavorOne® Cash Rewards Credit Card review.

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Best Travel Rewards Cards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> Venture<sup>®</sup> Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

N/A

17.49% - 24.74% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture.
We least like
  • No low introductory APR period.
Excellent, Good

Capital One® Venture® Rewards Credit Card is a fantastic card that gives you 2X miles per $1 spent on all purchases, whether you are buying coffee or clothing. We love that the miles you earn don't expire! Plus earn 10X miles on thousands of hotels through January 2020; learn more at hotels.com/venture. Redemption is very flexible as you can use the miles for airfare, hotel accommodation, car rentals, gift cards, and more. A big plus is that there are no blackout dates for travel. You can also transfer your miles to one of the 10+ participating airline partners. Feel free to use this card when overseas - there are no foreign transaction fees. Deal sweetener: Earn a one-time bonus of 50,000 miles after spending $3,000 on purchases within 3 months from account opening. That's worth $500 in travel. $0 intro annual fee for the first year; $95 after that. Here's our Capital One® Venture® Rewards Credit Card review.

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Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Chase Sapphire Preferred<sup>®</sup> Card

Chase Sapphire Preferred® Card

APPLY NOWAt Chase's secure website
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
APPLY NOWAt Chase's secure website

N/A

17.99% - 24.99% Variable

$95

Why we like it
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
Excellent/Good

Chase Sapphire Preferred® Card is a solid card that lets you chalk up points really fast when you use it for dining (be it fast food or fine dining) and travel (ranging from flights and hotels to taxis and tolls). You earn 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases worldwide. It has a great offer for new sign-ups: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 in travel when you redeem through Chase Ultimate Rewards®. You can redeem points for travel, cash, gift cards, merchandise, or unique experiences, but when you redeem for travel (airfare, hotels, car rentals and cruises) through Chase Ultimate Rewards, your points are worth 25% more! Chase Sapphire Preferred® Card has many travel-related perks, such as $0 foreign transaction fees which is handy when you use the card overseas. It has a $95 annual fee. Here's our Chase Sapphire Preferred® Card review.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Bank of America<sup>®</sup> Travel Rewards Visa<sup>®</sup> credit card - 25,000 Bonus Points Offer

Bank of America® Travel Rewards Visa® credit card - 25,000 Bonus Points Offer

APPLY NOWAt Bank of America's secure website
  • 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 16.74% - 24.74% Variable APR will apply
  • If you’re a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
APPLY NOWAt Bank of America's secure website

0% Introductory APR for 12 billing cycles for purchases

16.74% - 24.74% Variable APR

$0

Why we like it
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
Excellent/Good

Bank of America® Travel Rewards Visa® credit card - 25,000 Bonus Points Offer is a travel credit card that provides great value for money for budget-conscious travelers. It has no annual fee and no foreign transaction fees, which helps you save money when you use this card overseas. You earn 1.5 unlimited points for each $1 you spend on purchases and points don't expire. Points can be redeemed as statement credit for different types of travel purchases and there are no blackout dates. To use your rewards toward travel purchases, just book your trip as usual and go online or call to redeem your points for a statement credit toward all or part of your travel purchases. To reward you as a new cardmember, you can earn 25,000 online bonus points after spending at least $1,000 on purchases within the first 90 days of account opening (that can be $250 in statement credit towards travel purchases). Preferred Rewards clients can get a 25% - 75% rewards bonus on every purchase. Here's our Bank of America® Travel Rewards Visa® credit card - 25,000 Bonus Points Offer review.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> VentureOne<sup>®</sup> Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 13.74% - 23.74% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

0% intro on purchases for 12 months

13.74% - 23.74% (Variable)

$0

Why we like it
  • Earn 1.25X miles on every purchase, every day.
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel.
Excellent, Good

Capital One® VentureOne® Rewards Credit Card has a welcome offer that lets you earn 20,000 bonus miles after you spend $1,000 on purchases within the 3 months from account opening - this can be redeemed as $200 in travel. Earn 1.25X miles per dollar on every purchase and 10X miles on thousands of hotels through January 2020 (learn more at hotels.com/venture). These miles won't expire as long as your account is open and in good standing and there is no limit to the amount you can earn. Benefit from a $0 annual fee and a 0% intro APR on purchases for 12 months with 13.74% - 23.74% variable APR thereafter.

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Best Hotel Rewards Cards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Hilton Honors American Express Surpass<sup>®</sup> Card

Hilton Honors American Express Surpass® Card

APPLY NOWAt American Express' secure website
  • Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

17.49% - 26.49% Variable

$95

Good, Excellent

Hilton Honors American Express Surpass® Card lets you earn 125,000 Bonus Points after you spend $2,000 in purchases within the first 3 months of owning this card and get a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year. Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases on participating hotel or resort within the Hilton Portfolio, 6X Hilton Honors Bonus Points per dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations and 3X Hilton Honors Bonus Points for all other eligible purchases. There is a 17.49% - 26.49% variable APR (See Rates & Fees). This card has a $95 annual fee (See Rates & Fees). Terms Apply.

For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.
Read our detailed Hilton Honors American Express Surpass® Card review here.

Best Frequent Flyer Credit Cards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Offer expires 10/30/2019
Gold Delta SkyMiles<sup>®</sup> Credit Card from American Express

Gold Delta SkyMiles® Credit Card from American Express

Offer expires 10/30/2019
APPLY NOWAt American Express' secure website
  • Earn 60,000 Bonus Miles after you use your new Card to make $2,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months. Offer expires 10/30/2019.
  • Earn 2 miles on every eligible dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on Delta flights – that’s a savings of up to $240.
  • Receive Main Cabin 1 Priority Boarding on your Delta flights, stow your carry-on bag and settle in sooner.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

17.49% - 26.49% Variable

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

Excellent/Good

Gold Delta SkyMiles® Credit Card from American Express, a GET.com advertiser, lets you earn 2 miles per dollar spent on eligible purchases made directly from Delta and 1 mile for every dollar you spend on other eligible purchases. Check your first bag for free on every Delta flight and enjoy Main Cabin 1 Priority boarding. After you make $2,000 in purchases on your new Card within the first 3 months you will earn 60,000 bonus miles as well as a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months, keep in mind that this offer expires 10/30/2019. $0 intro annual fee for the first year, then $95 (See Rates & Fees). Terms apply. Read our review of Gold Delta SkyMiles® Credit Card from American Express.

For rates and fees of the Gold Delta SkyMiles® Credit Card from American Express, please click here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
The Platinum Card<sup>®</sup> from American Express

The Platinum Card® from American Express

APPLY NOWAt American Express' secure website
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

N/A

$550

Why we like it
  • Rewards program.
  • Platinum benefits.
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
We least like
  • Annual fee.
Excellent/Good

The Platinum Card® from American Express is an exceptional card for high flyers. This exclusive charge card lets you earn 60,000 Membership Rewards® points after you spend $5,000 on purchases with your new Card within the first three months of card membership (you must be enrolled in the Membership Rewards Program at the time of purchase). Earn 5X points on prepaid hotels booked on amextravel.com and flights booked directly with airlines or with American Express Travel and 1 Membership Rewards® point for every dollar you spend on eligible purchases. The benefit we like the most is the complimentary access to over 1,000 airport lounges around the world (The CenturionSM Lounges, Delta Sky Clubs®, Airspace Lounges, and you can enroll in Priority PassTM Select on them). Get up to a $200 Airline Fee Credit (in the form of statement credit) per calendar year towards qualifying airline purchases you select. As an extra perk get Up to $200 for Uber rides annually (credit and Uber VIP status available to Basic Card Member only). No foreign transaction fees. No pre-set spending limit. Some of the notable benefits this card offers are Premium Roadside Assistance, Return Protection and Premium Global Assist® Hotline. This card has a $550 annual fee (See Rates & Fees). Terms apply. Here's our review of The Platinum Card® from American Express. Overall, The Platinum Card® from American Express is an excellent choice of card for frequent travelers who want to enjoy the finer things in life and earn rewards.

For rates and fees of the The Platinum Card® from American Express, please click here.

Our Pick Of Rewards Cards For Students


Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Journey<sup>®</sup> Student Rewards from Capital One<sup>®</sup>

Journey® Student Rewards from Capital One®

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone

N/A

26.46% (Variable)

$0

Why we like it
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.
We least like
  • No introductory low APR period.
Average, Fair, Limited

Journey® Student Rewards from Capital One® gives you 1% cash back on all your purchases, and rewards you with a 25% bonus on the cash back you earn each month as long as you pay your bills on time, which would bring it to a total of 1.25% for that month. There's no limit to what you can earn, you can redeem your cash back any time you want and cash back doesn't expire. You can even set up automatic redemptions. After you make your first 5 monthly payments on time you get access to a higher credit line. No annual fee.

Read our review of Journey® Student Rewards from Capital One® here.

View Details

Best Business Rewards Cards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Offer ends 12/4/19
The Business Platinum<sup>®</sup> Card from American Express

The Business Platinum® Card from American Express

Offer ends 12/4/19
APPLY NOWAt American Express' secure website
  • Welcome Offer: Earn up to 100,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • Terms Apply
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A

N/A

$595

Excellent Credit

The Business Platinum® Card from American Express is a charge card that has a welcome offer (expires 12/4/19) that lets you earn up to 100,000 Membership Rewards® points. This offer works like this: you'll earn 50,000 Membership Rewards points after you spend $10,000. You earn an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership. This card also has an offer which lets you earn 50% more Membership Rewards® points (1.5 points per $1), on each qualifying purchase of $5,000 or more (up to 1 million additional points annually). If you use Membership Rewards Pay with Points for all or part of an eligible fare you can get 35% of those points back, on up to 500,000 bonus points per calendar year. Earn one point for each dollar spent on eligible purchases you make. Plus get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com! You also get complimentary Priority Pass Select and the Airport Lounge Access Program which gives you access to over 1,000 participating airport lounges across the globe. $595 annual fee (See Rates & Fees). Terms Apply. Read our review of The Business Platinum® Card from American Express here.

For rates and fees of the The Business Platinum® Card from American Express, please click here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
American Express<sup>®</sup> Blue Business Cash Card

American Express® Blue Business Cash Card

APPLY NOWAt American Express' secure website
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.99%, 17.99%, or 20.99%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
APPLY NOWAt American Express' secure website

0% intro APR on purchases and balance transfers for 12 months

14.99% - 20.99% Variable

$0

Excellent Credit

American Express® Blue Business Cash Card lets you earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, after that you'll earn 1% cash back. This card also gives you 0% intro APR on purchases and balance transfers for 12 months ( See Rates & Fees), after that 14.99% - 20.99% variable APR ( See Rates & Fees). No annual fee ( See Rates & Fees). Terms & limitations apply.

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

Rewards Credit Card Tips

Some credit cards let you earn rewards like miles, points or cash back when you make certain types of purchases with your card. These type of cards are known as rewards credit cards.

When you make a purchase at a store or other merchant and pay using your credit card, the store pays the credit card company a merchant fee. Because the credit card company makes money every time you use your credit card to pay, it's always on the lookout for ways to get you to use your card to pay more.

Letting you earn rewards every time you make a purchase with your card is a good way to encourage you to use your card more. You save by earning rewards, the bank or credit card company makes money off merchant fees, and the merchant makes a sale that they might not have made if they required cash.

Credit Card Rewards Programs

A payment card rewards program is a scheme that lets you earn rewards when you make certain purchases using your card, and then redeem those rewards for something you want.

Earning points on all your spending is great. But the way you can redeem those points makes a big difference in how much you are really getting for your money. When you pick a rewards credit card, it's important to have some understanding of the rewards program that powers it.

Some rewards programs are pretty simple, because you always earn rewards when you make certain purchases (at your favorite shop, for example) or because the rewards you earn can only be redeemed for one thing. For example, a rewards program may only let you redeem rewards for gift cards, or for meals at a certain restaurant.

Other rewards programs are more complicated because they give you more flexibility. Some programs let you earn rewards on many different kinds of purchases, or let you redeem rewards for many different things like travel, cash, merchandise, and much more.

Rewards programs are not all equal, and the points (or miles) you get in one program may get you a lot more (or less) than the points you earn using a card with a different program.

Here's a quick summary of the major rewards programs in the US:

1. Chase Ultimate Rewards®

This solid rewards program from Chase is used by popular rewards cards like Chase Sapphire Preferred® Card and provides a lot of flexibility in how you earn and redeem your rewards. You can earn rewards when you make purchases using an eligible credit card from Chase, as well when you shop on Shop through Chase SM at more than 200 popular retailers online.

When it comes to redeeming rewards, you have several options. You can redeem for merchandise, unique experiences (concerts, sporting events and more), and even redeem for cash back at the rate of $.01 for 1 point into your Chase checking or savings account.

But the real power of this rewards program is reserved for travelers. You can redeem points for flights, hotel accommodations, car rentals, cruises and activities.
Chase Sapphire Preferred® Card gives you 1:1 point transfer to leading airline and hotel loyalty programs at full value, so your points offer much more travel value than the points you earn with many other programs.

When you redeem points for travel booked through Chase Ultimate Rewards®, you get 25% more then if redeemed for cash. For example, you can get a $625 flight for just 50,000 Ultimate Rewards points (worth $500 if redeemed in other ways) if you redeem through Chase Ultimate Rewards®. When redeeming points for travel, you can also combine points with cash to make up the difference.

You can move points from another Chase card that earns Ultimate Rewards, as long as those cards belong to you or your spouse (or domestic partner). All things considered, this is a flexible rewards program with a lot of travel perks.

2. Citi ThankYou® Rewards


This rewards program from Citi® lets you earn ThankYou® points using rewarding Citi cards.

Points can be redeemed towards online bill payment, merchandise or travel bookings. You can also redeem points as donations to charitable causes. One nice perk is that you can redeem points as a statement credit to cover purchases you make with an eligible Citi credit card that fall under the gas, dining, entertainment, utility bills, drug store and grocery categories.

You can also give your points to other ThankYou® members. If you like to redeem rewards as cash, you can redeem Thankyou points for cash in $50 or $100 denominations. On the whole, Citi ThankYou® Rewards is a very flexible and rewarding program.

3. Capital One® Rewards

This is a pretty simple and straightforward program. Unlike other rewards programs that use points which can then be redeemed for various things, this program lets you earn either cash back or miles, depending on which Capital One® credit card you use.
Miles cards like Capital One® Venture® Rewards Credit Card and Capital One® VentureOne® Rewards Credit Card earn travel rewards, while cash back cards like Capital One® QuicksilverOne® Cash Rewards Credit Card earns cash back.

The miles you earn can be transferred to participating airline partners or they can be redeemed as a statement credit towards travel purchases you make at a rate of 100 miles to $1 in travel purchases. That means you have a lot of flexibility in the way you redeem miles for travel, as you can pretty much just book travel the way you want, and then redeem miles for a statement credit to cover the purchase.

You can earn unlimited rewards with this program. Cash back can be redeemed for a check, statement credit, or gift card, so you do have some options. A nice perk is that you can redeem any amount of cash back, anytime. Most other programs only let you redeem rewards for cash back in certain denominations.

4. American Express Membership Rewards®

This is a very comprehensive rewards program from American Express that may appeal to you if you prefer redeeming your points for more exclusive rewards. You can book travel including flights, cruises, vacation packages and hotel accommodation using your points, or a combination of points and cash at amextravel.com.

You can also redeem points for rental car certificates (Avis, Hertz, Enterprise), Express Rewards prepaid gas cards, or even towards a Mercedes Benz service, lease or purchase.
One of the strong points of this program is that you can redeem points towards purchases on site at certain American Express partners.

This program also offers a long list of events and experiences that you can redeem points for. If you prefer gift cards, you will have a lot of different gift cards to choose from when it comes time to redeem your points. Points can also be redeemed towards Ticketmaster (event tickets) and Telecharge (Broadway and off-Broadway events) purchases.

You can also redeem your points towards Uber services right in the Uber app (100 Membership Rewards® points = $1 charged by Uber). If you have at least 1,000 points in your account, you can redeem points toward eligible charges (retail, dining, groceries and more) made with your eligible American Express card. That gives you a lot of flexibility as you can redeem points towards the cost of certain purchases you make.

5. Discover Cashback Bonus

This rewards program is used by Discover cards. You earn rewards as a Cashback Bonus that you can redeem in different ways. This program works very well if you like redeeming rewards for cash. You can redeem for cash anytime, starting at just 1 penny.

Most other programs only let you redeem for cash in set denominations, so you may have to save enough points for $50 or $100 before you can redeem. But that is not the case with this program, as you can redeem any amount of points you want and get cash.

You can also use Cashback Bonus points to pay at the counter when you shop at certain retailers. The Pay with Cashback Bonus lets you use your cash back to pay at online stores, including Amazon.com.

You also get very good value by redeeming your Cashback Bonus points for gift cards (starting at $20), as you can redeem your Cashback Bonus for higher value gift cards from many Discover partners. You can also donate your rewards to charitable organizations.

6. Upromise® By Sallie Mae®

If you want to earn rewards that you can redeem towards education, then you will probably find this rewards program interesting. The program works through a huge network of partner merchants.

You can earn 5% (or more) cash back when you make eligible online purchases at over 850 popular retailers (Groupon, Sears.com, Macys.com, Staples.com, and more) when you shop through Upromise.

You also earn 5% cash back at thousands of Upromise partner restaurants. Another way to earn up to 5% cash back for college is to book travel with Travelocity, Expedia, Budget and other travel merchants through Upromise. You can use any Visa or Mastercard credit card to shop through Upromise, but you will have to link your card to your Upromise account.

7. FlexPerks®

This rewards program from U.S. Bank lets you earn FlexPoints that can be redeemed for travel, gift cards, statement credit and merchandise (including Apple®, Sony®, Bose®, North Face® and more). This program is exceptionally rewarding when you redeem for travel.

You can redeem for hotel accommodation, car rentals and cruise lines. But you get exceptional value when you redeem your FlexPoints for airline travel because FlexPerks works with a tier system.

For example, 20,000 points can get you up to $400 in airline ticket travel, because the first tier (20,000 points) can be redeemed for flights that cost up to $400.

The second tier (30,000 points) can be redeemed for up to $600. That means you can basically double the value of your points when redeeming this way.

There are 14 different tiers so you get a lot of flexibility. Of course a $450 flight will already fall under the second tier, because it's over $400. But you can pay part of your flight with points and charge the difference to your card, so you always get the best value.

More Than One Program

Some credit card companies have more than one rewards program, and the rewards you earn will depend on which card you have.