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Rewards Credit Cards

The Best Rewards Credit Cards

We keep our list of great rewards credit cards updated daily.  Earn points or miles every time you travel or purchase something with your credit card.  Earn points for fabulous rewards from hotel stays, flights to warm and exotic locations, gift cards to your favorite retailers, access to special events, and much more.  Maximize your spending and don’t let purchases go to waste.  Compare the best rewards cards below, and apply for yours using a secure online application

Category
Monthly Spend
Balance
  • Unlimited 1.5% Cash Back1 on every purchase - no exclusions, no sign ups and no point caps!
  • $150 Cash Back Bonus2 after you spend $1,000 on purchases in your first 3 months from account opening.
  • toggle® tools allow you to create and change settings for what, when and how you pay.
  • Earn rewards on everything and never owe interest on daily purchases if you choose to pay those transactions with auto-pay.
  • The only card you need: one card connected to your checking account means simpler tracking, account management and spending with the unique, flexible and easy-to-use tools toggle®offers.
  • $0 Annual Fee*
  • Redeem for Cash Back1 or choose from gift cards, travel, merchandise and more. Cash Back redemption is applied as a statement credit.
 

 Card Rating

 Credit Needed

 Excellent, Good

 
  • 3% Cash Back1 at Coffee Shops, Fast Food Locations and on Ridesharing Services2
  • 2% Cash Back1 at Gas Stations2 and Restaurants2
  • Plus, 1% Cash Back1on all other purchases! Cash Back redemption is applied as a statement credit.
  • Unlimited Cash Back1on every purchase - no rotating categories, no sign ups and no point caps
  • 0% Intro APR3for 12 monthly billing cycles for purchases and balance transfers, then 12.49% - 22.49% Variable APR4. Balance Transfer fee of 5%, $10 minimum.
  • $0 Annual Fee*
 

 Card Rating

 Credit Needed

 Excellent, Good

 
  • Exclusive to U.S. Bank customers
  • New Cardmember Bonus: 50,000 bonus points worth $750 on travel when you spend $4,500 in eligible net purchases within the first 90 days of account opening
  • Up to $325 annual statement credits for eligible net travel purchases
  • Earn 3X points for every $1 on eligible net travel purchases & mobile wallet spending
  • Complimentary Gogo® Inflight Wi-Fi - get 12 passes per year
  • Airport Lounge Access to 1,000+ Priority Pass™ lounges worldwide
  • TSA PreCheck or Global Entry - up to $100 statement credit reimbursement for the application fee once every four years
  • See additional U.S. Bank Altitude™ Reserve Visa Infinite® Card details
 

 Card Rating

 Credit Needed

 Excellent Credit

 
  • Earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening.
  • 2X FlexPoints at gas stations, grocery stores or airlines - whichever you spend the most on each monthly billing cycle, and at most cell phone service providers.
  • 2X FlexPoints for your charitable donations
  • No foreign transaction fees*
 

 Card Rating

 Credit Needed

 Excellent

 
  • Earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening.
  • Earn 2X FlexPoints in the category where you spend the most each month-gas stations, office supply stores or airlines, plus on cellular providers.
  • Earn 1 point for every other eligible net dollar spent.
  • $25 Airline Allowance offers reimbursement for up to $25 per round-trip air travel award ticket toward baggage fees, in-flight food and drinks, or a seat upgrade when you use your card
  • If you spend $24,000 in net purchases annually, your $55 annual fee (plus $10 fee for each employee card) gets credited back to your account
 

 Card Rating

 Credit Needed

 Excellent

 
  • 20,000 Bonus LifeMiles after first card use
  • Earn 2 LifeMiles per $1 spent on Avianca purchases
  • Earn 1 LifeMile per $1 spent on all other purchases
  • 15% discount on purchases of miles with Multiply Your Miles
  • No cap on the number of LifeMiles you can earn
  • 0% Introductory offer for 12 months on Balance Transfers
  • Chip-enabled card provides added security
  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Protection against unauthorized charges
  • Emergency Card Replacement
  • Online Account Management
  • Electronic Statements
  • Auto-pay option
 

 Card Rating

 Credit Needed

 Excellent, Good

 
  • 40,000 Bonus LifeMiles after first card use
  • Earn 3 LifeMiles per $1 spent on Avianca purchases
  • Earn 2 LifeMiles per $1 spent at gas stations and grocery stores
  • Earn 1 LifeMile per $1 spent on all other purchases
  • No foreign transaction fees
  • 15% discount on purchases of miles with Multiply Your Miles
  • Free additional piece of baggage for travel between the United States and Central America
  • A 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $12,000 spent each year
  • An additional 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $24,000 spent each year
  • 0% Introductory offer for 12 months on Balance Transfers
  • Chip-enabled card provides added security
  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Protection against unauthorized charges
  • Emergency Card Replacement
  • Online Account Management
  • Electronic Statements
  • Auto-pay option
 

 Card Rating

 Credit Needed

 Excellent, Good

 
These quotes are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.
Points & Rewards Credit Cards

Want a free trip to Australia? How about Paris, London, Moscow or Beijing? With point and mile rewards credit cards, your potential destinations are endless.

With the right spending strategy, point or mile rewards credit cards can help you travel the world for next to nothing, or earn other perks on your purchases. Use them wisely, though, because even the best credit card reward programs might have dangers that can sneak up on you if you aren't paying attention to their terms and conditions.

How do point and mile reward credit cards work?

First of all, what are points? Rewards credit cards grant you points when you meet certain sets of conditions. Spending in particular purchase categories, or at particular retailers, earns you a tally of points that you can redeem when you want to collect the rewards that card issuers offer.

Rewards credit cards that offer miles work in much the same way, but they compensate you for your spending with points that are redeemable specifically for air travel. The limitations on how you use your rewards may make it seem like these aren't the best credit cards, but miles can often rack up faster than all-purpose points.

The way to score points and miles is simple: Use your rewards credit card for the type of purchases indicated on your credit card application. Your rewards stack up at a percentage rate to the dollar -- anywhere between 33 and 200 percent -- and grow faster with certain purchases than others.

Most point and mile rewards credit cards also come with large lump-sum bonuses at sign-up, or when you reach a preset spending total. Combining these bonus amounts with the steady trickle of rewards earned through everyday credit card spending can lead to a considerable amount of points or miles in a fairly short time.

Best rewards credit card strategies

There exists a small group of savvy credit customers who play their rewards credit cards like pieces on a game board. These personal finance wizards know all the tricks for racking up the best credit card incentives without breaking the bank. Here are a few of their secrets:

  • Use savings to hit spending targets - Since many rewards credit cards come with whopping point or mile bonuses once you've spent a certain amount, waiting until you've saved that amount to apply for credit can bring you massive rewards faster.
  • Carry multiple cards - Nearly all of the point and mile programs offered on rewards credit cards will encourage customers to spend in specific areas, so arming yourself with a portfolio of cards can ensure that you'll be able to maximize your rewards at every spending destination.
  • Stay on the lookout for sign-up bonuses - Rewards credit card experts have always got their eyes out for hefty bonuses offered at sign-up, since the small dip that can come to your credit score from closing an account is often offset by the thousands of points or miles that can be earned by opening one.
  • Check for spending or redemption "hot-spots" - Some credit companies set up a schedule of occasions such as "double rewards day" and "triple redemption weekend" in order to further incentivize their rewards credit cards, so make sure to use these time-sensitive promotions to your advantage.

The keys to world travel and other perks are at your fingertips with point and mile rewards credit cards. If you're thinking to apply for credit, don't make the mistake of overlooking the best rewards credit card offers just because they might seem complicated.

As long as you use your credit wisely and read the terms and conditions on your credit card application, rewards credit cards can be an exciting way to add value to your everyday shopping.

Top Cards by Category

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