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 BackWells Fargo Cash Wise Visa® Card
BonusBank of America® Premium Rewards® credit card
Flat Rate Cash BackBank of America® Cash Rewards credit card - $200 Cash Rewards Offer
TravelCapital One® Venture® Rewards Credit Card
AirlineChase Sapphire Preferred® Card
HotelStarwood Preferred Guest® Credit Card from American Express

Best Cashback Rewards Credit Cards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Wells Fargo Cash Wise Visa<sup>®</sup> Card

Wells Fargo Cash Wise Visa® Card

APPLY NOWAt Wells Fargo's secure website
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 15.99%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
APPLY NOWAt Wells Fargo's secure website

0% Intro APR for 12 months on purchases and balance transfers (fees apply), balance transfers made within 120 days qualify for the intro rate and fee

15.99%-26.99% (Variable)

$0

Excellent/Good

Wells Fargo Cash Wise Visa® Card lets you earn unlimited 1.5% cash rewards on all the purchases you make. During the first 12 months from account opening you can also enjoy 1.8% cash rewards on qualified purchases on mobile wallets like Google PayTM or Apple Pay®. This card has a pretty decent bonus offer which lets you earn $200 cash rewards bonus after spending $1,000 in the first 3 months. The cash rewards you earn don't expire. This card has a 0% intro APR for 12 months on purchases and balance transfers (fees apply; balance transfers made within 120 days qualify for the intro rate and fee) and a 15.99%-26.99% variable APR thereafter. $0 annual fee. Here's our Wells Fargo Cash Wise Visa® Card review.

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

Bank of America® Premium Rewards® 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.
  • 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 client, you can get a 25%-75% rewards bonus on every purchase.
  • No limit to the points you can earn and your points don’t expire
  • Flexibility to redeem for a statement credit, deposit into eligible Bank of America® or Merrill Lynch® accounts like checking, savings, and 529, for gift cards or use 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

17.99% - 24.99% Variable APR

$95 annual fee

Excellent/Good

Bank of America® Premium Rewards® 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 Lynch® 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
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • No annual fee
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
APPLY NOWAt Bank of America's secure website

0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days

15.24% - 25.24% Variable APR

$0

Why we like it
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
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 groceries and gas. You earn 2% cash back at grocery stores and wholesale clubs as well as 3% cash back on gas purchases on the first $2,500 you spend on combined grocery store, wholesale clubs and gas purchases 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 $500 in purchases in the first 90 days of account opening. You get a 10% customer bonus when you redeem cash back into a Bank of America® savings or checking account. Preferred Rewards clients can increase that bonus amount to 25%-75%. Enjoy a 0% intro APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, and 15.24% - 25.24% 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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
APPLY NOWAt Chase's secure website

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

16.99% - 25.74% Variable

$0

Why we like it
  • Unlimited 1.5% cash back on every purchase - it's automatic.
  • 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 unlimited 1.5% cash back on every purchase automatically (no quarterly activation needed). This flat rate 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 16.99% - 25.74% 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Also after you spend $500 or more within the first 3 months of opening your account you receive a generous $150 bonus! Get more info in our full review of Chase Freedom Unlimited® here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Discover it<sup>®</sup> Cash Back

Discover it® Cash Back

APPLY NOWAt Discover's secure website
  • Intro Offer: Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
APPLY NOWAt Discover's secure website

0% on purchases and balance transfers for 14 months

13.99% - 24.99% Variable

$0

Excellent/Good

Discover it® Cash Back is one of the most popular cash back cards in America because it lets you earn 5% cash back in quarterly changing bonus categories up to $1,500 for purchases in combined categories each quarter. You earn an unlimited 1% cash back on all other purchases. Cash back rewards never expire. The card has a cool signup bonus for new cardmembers: Discover will match all the cash back you've earned at the end of your first year, automatically! Discover it® Cash Back offers a 0% intro APR on purchases and balance transfers for the first 14 months. After that, there's a 13.99% - 24.99% variable APR on both balance transfers and purchases. No annual fee. Here's our Discover it® Cash Back review.

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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • 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
  • 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℠
  • No annual fee
APPLY NOWAt Chase's secure website

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

16.99% - 25.74% 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 16.99% - 25.74% variable APR on both balance transfers and purchases. The balance transfer fee is either $5 or 3% 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 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
APPLY NOWAt Citi's secure website

0% Intro APR on Balance Transfers for 18 months*

15.49% - 25.49%* (Variable)

$0*

Why we like it
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.
  • 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 15.49% - 25.49% 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
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $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

14.99%-25.99% 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 earn 3% cash back at U.S. gas stations and 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 $200 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 and department store 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. 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 with a 14.99% - 25.99% variable APR 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.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Discover it<sup>®</sup> chrome

Discover it® chrome

APPLY NOWAt Discover's secure website
  • Intro Offer: Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
APPLY NOWAt Discover's secure website

0% on purchases and balance transfers for 14 months

13.99% - 24.99% Variable

$0

Excellent/Good

Discover it® chrome lets you automatically earn 2% cash back on up to $1,000 spent on combined purchases at gas stations and restaurants per quarter. You also earn 1% cash back on all other eligible purchases. As a new cardmember Discover will automatically match all the cash back you've earned at the end of your first year. This card gives you a 0% intro APR on purchases and balance transfers for 14 months (with 13.99% - 24.99% variable APR after that). Other perks you can get with this card include free FICO® Credit Score tracking in one easy-to-read chart on monthly statements as well as online, and the Freeze It® on/off switch (prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online). Read our Discover it® chrome review here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
HSBC Cash Rewards Mastercard<sup>®</sup> credit card

HSBC Cash Rewards Mastercard® credit card

APPLY NOWAt HSBC's secure website
  • Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.99%, 18.99% or 24.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt HSBC's secure website

0% Introductory APR on balance transfers for the first 15 months from account opening

Variable APR of 14.99%, 18.99% or 24.99% will be applied

$0

Good/Excellent

HSBC Cash Rewards Mastercard® credit card lets you earn 1.5% unlimited cash rewards on all the purchases you make. As an added anniversary bonus you earn 10% cash rewards on all the cash back you've earned in the year every year! That's a lot of cash rewards for one card. If that wasn't enough incentive, this card also comes with a $150 cash rewards bonus when you spend $2,500 or more within the first 3 months of account opening. This card comes with a 0% introductory APR for 15 months on balance transfers. There is a 14.99%, 18.99% or 24.99% variable APR on purchases and balance transfers after that. Terms apply. Here's our review of HSBC Cash Rewards Mastercard® credit card.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> SavorOne℠ 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; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% 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

14.74% - 24.74% (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 14.74% - 24.74% variable APR thereafter. $0 annual fee. Here's our Capital One® SavorOne℠ Cash Rewards Credit Card review.

View Details

Best Travel Rewards Cards

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 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
APPLY NOWAt Chase's secure website

N/A

17.99% - 24.99% Variable

$0 Intro for the First Year, then $95

Why we like it
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs.
Excellent Credit

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 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 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 an introductory annual fee of $0 for the first year, then $95. Here's our Chase Sapphire Preferred® Card review.

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; 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
  • 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

14.74% - 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; 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; 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.

View Details

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

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

APPLY NOWAt Bank of America's secure website
  • NEW OFFER: 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
  • NEW OFFER: 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
  • 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, then 16.99% - 24.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%
APPLY NOWAt Bank of America's secure website

0% Introductory APR for 12 billing cycles for purchases

16.99% - 24.99% 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 credit card 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). You can get an additional 10% customer points bonus on every purchase if you have an active Bank of America® checking or savings account, and that amount can increase to 25%-75% if you're a Preferred Rewards client. Here's our Bank of America® Travel Rewards credit card review.

Best Hotel Rewards Cards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Hilton Honors American Express Ascend Card

Hilton Honors American Express Ascend Card

APPLY NOWAt American Express' secure website
  • Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend 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

17.74%-26.74% Variable

$95

Good, Excellent

Hilton Honors American Express Ascend Card lets you earn 125,000 Bonus Points after you spend $2,000 in purchases with in 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 17.74%-26.74% variable APR. This card has a $95 annual fee. Terms Apply.

Read our detailed Hilton Honors American Express Ascend Card review here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Marriott Rewards<sup>®</sup> Premier Plus Credit Card

Marriott Rewards® Premier Plus Credit Card

APPLY NOWAt Chase's secure website
  • Earn 2 Free Night Awards (each valued up to 35,000 points) after you spend $3,000 on purchases in the first 3 months from account opening.
  • Get the card that helps you earn more with U.S. News & World Report’s No.1 Hotel Rewards Program, Marriott Rewards.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn 6X points per $1 spent at participating Marriott Rewards & SPG hotels.
  • 2X points for every $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year.
  • Path to Gold Status when you spend $35,000 on purchases each account year.
  • Coming in 2019, 15 Elite Night Credits each calendar year.
APPLY NOWAt Chase's secure website

N/A

17.99% - 24.99% Variable

$95

Excellent Credit

Marriott Rewards® Premier Plus Credit Card has a bonus offer that lets you earn 2 free night awards (each valued up to 35,000 points) when you've spent $3,000 on purchases in the first 3 month of card membership. You'll earn 6X points for every dollar you spend at any participating Marriott Rewards & SPG hotels and 2X points on every $1 you spend on all the other purchases you make. Receive 1 Free Night Award that's valued at up to 35,000 points every year after your account anniversary. Starting in 2019, you will receive 15 Elite Night Credits each calendar year. This card has a $95 annual fee.

Read our detailed Marriott Rewards® Premier Plus Credit Card review here.

Best Frequent Flyer Credit Cards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Limited Time Offer
United℠ Explorer Card

United℠ Explorer Card

Limited Time Offer
APPLY NOWAt Chase's secure website
  • Limited time offer! Earn up to 65,000 Bonus Miles.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✓® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
APPLY NOWAt Chase's secure website

N/A

17.99% - 24.99% Variable

$0 Intro for First Year, then $95

Why we like it
  • Rewards Program.
  • No foreign transaction fees.
  • Limited time offer! Earn up to 65,000 Bonus Miles.
Excellent Credit

United℠ Explorer Card lets you start earning miles with a limited time welcome offer that gives you up to 65,000 bonus miles: earn 40,000 bonus miles after spending $2,000 on purchases in the first 3 months after account opening and an additional 25,000 bonus miles after you spend $10,000 total on purchases in the first 6 months your account is open. Earn 1 mile for every $1 you spend on purchases, and 2 miles for every dollar you spend on tickets purchased directly from United, restaurant purchases and hotel stays. Earn unlimited miles and the miles you earn do not expire as long as your account remains open. Get your first bag checked in for free on United-operated flights. Receive 2 complimentary United Club one-time passes every year where you can enjoy complimentary beverages, snacks, and other amenities. This card has a $0 introductory annual fee for the first year, then $95. Click here to read our review of United℠ Explorer Card.

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

Gold Delta SkyMiles® Credit Card from American Express

APPLY NOWAt American Express' secure website
  • Earn 30,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 miles on every 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 $200 per round trip for a family of four.
  • Want even more flexibility? Pay with Miles is a Card Member feature that gives you the option to redeem miles for all or part of the price of your tickets on Delta.com.
  • Settle into your seat sooner with Priority Boarding.
  • 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

17.74%-26.74% 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 purchase 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 Priority boarding. After you make $1,000 in purchases on your new Card within the first 3 months you will earn 30,000 bonus miles and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months. $0 intro annual fee for the first year, then $95. Terms apply. Read our review of Gold Delta SkyMiles® Credit Card from American Express.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Elite™ Mastercard<sup>®</sup>

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

APPLY NOWAt Citi's secure website
  • Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
APPLY NOWAt Citi's secure website

N/A

17.99% - 25.99%* (Variable)

$99, waived for first 12 months*

Why we like it
  • Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening*.
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*.
Excellent, Good

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® lets you earn a welcome offer of 40,000 American Airlines AAdvantage® bonus miles after you spend $2,000 on purchases in the first 3 months and 10,000 American Airlines AAdvantage® bonus miles after making a total of $6,000 in purchases in the first 12 months of account opening. You can earn 2 AAdvantage® miles per dollar spent at gas stations, restaurants and on eligible American Airlines purchases. Benefits include earning a $100 American Airlines flight discount (after you spend $20,000 or more in purchases during your card year and renew your card), no foreign transaction fees, free first checked bag on domestic American Airlines itineraries for you and up to four companions (traveling with you on the same reservation) and 25% savings on inflight food and beverage purchases on American Airlines flights. This card's $99 annual fee (waived for the first 12 months). Read our review of Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® 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. 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.

Best For Gas Rewards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Wells Fargo Propel American Express<sup>®</sup> Card

Wells Fargo Propel American Express® Card

APPLY NOWAt Wells Fargo's secure website
  • New! Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that's a $300 cash redemption value
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • $0 Annual Fee
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 14.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
APPLY NOWAt Wells Fargo's secure website

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

14.49%-26.99% (Variable)

$0

Excellent/Good

Wells Fargo Propel American Express® Card lets you earn 3X points at U.S. gas stations, restaurants and travel (including flights, hotels, homestays, rideshares, transit and car rentals) and 1X point on any other purchases you might make with this card. Earn 30,000 bonus points after you spend $3,000 in the first 3 months of being a cardholder. Points can be redeemed for travel, gift cards, cash redemption options or merchandise through Go Far® Rewards. You'll also enjoy some exclusive offers on airline tickets, hotels, car rentals, and cruises. This card has a 0% Intro APR for 12 months on purchases and balance transfers (balance transfers made within 120 days qualify for the intro rate and fee) and a 14.49%-26.99% variable APR thereafter (balance transfer fees apply). This card has a $0 annual fee.

Best Hotel Credit Cards


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

Starwood Preferred Guest® Credit Card from American Express

APPLY NOWAt American Express' secure website
  • Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases.
  • No Foreign Transaction Fees on International purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A

17.74%-26.74% Variable

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

Why we like it
  • Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases.
Excellent/Good

Starwood Preferred Guest® Credit Card from American Express is a Starwood credit card for people who often stay at the Starwood chain of hotels. As a new cardmember earn 75,000 Bonus Points after you use this card to make $3,000 in purchases within the first 3 months of cardmembership. Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases. This card has no foreign transaction fees. Receive complimentary in-room, premium Internet access while staying at participating SPG® and Marriott Rewards® hotels. $0 annual fee for the first year, then $95. Terms apply. Read our review of Starwood Preferred Guest® Credit Card from American Express here.

Our Pick Of Rewards Cards For Students

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Discover it<sup>®</sup> Student Cash Back

Discover it® Student Cash Back

APPLY NOWAt Discover's secure website
  • Intro Offer: Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.99% - 23.99%.
APPLY NOWAt Discover's secure website

0% intro APR on purchases for 6 months

14.99% - 23.99% Variable

$0

Fair Credit

Discover it® Student Cash Back is an excellent student credit card that lets you earn 5% cash back in categories that change each quarter up to the quarterly maximum of $1,500, such as gas stations, grocery stores, restaurants, Amazon.com, and more when you activate. Earn 1% cash back on all your other purchases. As a new card member, receive a $20 statement credit for each school year (for up to the next 5 years) in which your GPA is 3.0 or higher. As an extra bonus, Discover will automatically match all the cash back you've earned at the end of your first year! Note that this bonus offer is only for new cardmembers. Enjoy 0% intro APR on purchases for 6 months, (14.99% - 23.99% variable APR thereafter). No annual fee. Read our review of Discover it® Student Cash Back here.

Best Business Rewards Cards

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

The Business Platinum® Card from American Express

APPLY NOWAt American Express' secure website
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 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.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2017
  • Terms Apply
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A

N/A

$450

Excellent Credit

The Business Platinum® Card from American Express is a charge card that has a welcome offer that lets you earn up to 75,000 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 25,000 points after you spend an additional $10,000 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. $450 annual fee. Terms Apply. Read our review of The Business Platinum® Card from American Express here.

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

SimplyCash® Plus Business Credit Card from American Express

APPLY NOWAt American Express' secure website
  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.24% - 21.24%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *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
  • Terms apply
  • See Rates & Fees
APPLY NOWAt American Express' secure website

0% intro APR on purchases for 15 months

14.24% - 21.24% Variable

$0

Excellent Credit

SimplyCash® Plus Business Credit Card from American Express lets you earn 5% cash back on wireless telephone services purchased directly from U.S. service providers and at U.S. office supply stores. You also earn 3% cash back on the category of your choice from a list of 8 select categories like U.S. gas stations, U.S. purchases for advertising in select media, airfare purchased directly from airlines, hotel rooms purchased directly from hotels, car rentals purchased from select car rental companies, U.S. restaurants, U.S. purchases for shipping and U.S. computer hardware, software and cloud computing purchases made directly from select providers. The 5% and 3% cash back you earn apply to purchases up to $50,000 per calendar year, after that you'll earn 1% cash back. Earn 1% cash back on other purchases. This card also gives you 0% intro APR on purchases for 15 months, after that 14.24% - 21.24% variable APR. No annual fee. Terms & limitations apply.

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.