Best Rewards Credit Cards

Here are the best rewards credit card offers:

Chase Sapphire Reserve®

Experience Luxury Travel with the Chase Sapphire Reserve^® Credit Card

100,000 bonus points + $500 travel credit after $5,000 in purchases in the first 3 months
8X points on travel booked through Chase Travel℠; 4X points on direct airline and hotel bookings
3X points on dining and eligible delivery services; 1X point on all other purchases
$300 annual travel credit automatically applied to travel purchases
Complimentary lounge access with Priority Pass™ Select and Chase Sapphire Lounges for you +2 guests
Up to $300 in annual credits for dining at Exclusive Tables and stays with The Edit
$120 Global Entry/TSA PreCheck^® credit every four years
No foreign transaction fees
$795 annual fee

From premium lounge retreats to robust trip protections—cancellation, interruption, auto rental and baggage insurance—this card lets you travel with confidence. Manage your account seamlessly in the Chase app, tap to pay with contactless security, and let automatic credits offset the annual fee for high‑value perks all year long.

Terms apply. See issuer for complete details and eligibility.

Chase Sapphire Preferred® Card

Unlock Travel Rewards with the Chase Sapphire Preferred^® Credit Card

75,000 bonus points after spending $5,000 in the first 3 months
5X points on travel booked through Chase Travel℠
3X points on dining, select streaming services and online grocery purchases
2X points on all other travel
1X point on all other purchases
$50 annual hotel credit through Chase Travel℠
10% anniversary points boost on prior year’s spend
No foreign transaction fees
$95 annual fee

Make every trip count with flexible redemption options—transfer points 1:1 to top airline and hotel partners or boost their value when booking through Chase. Enjoy built‑in travel protections like trip cancellation/interruption insurance, primary rental car coverage and lost luggage reimbursement, plus seamless account management via the Chase mobile app. Whether you’re a frequent flyer or planning your next getaway, the Chase Sapphire Preferred^® delivers premium perks at an approachable price.

Terms apply. Bonus offer requires minimum spend. Annual fee applies. See Chase for full details.

Capital One Venture Rewards

Experience Effortless Travel Rewards with the Capital One Venture Rewards Credit Card

75,000 bonus miles after $4,000 in purchases within 3 months (worth $750 in travel)
2X miles on every purchase, every day
5X miles on hotels, vacation rentals and car rentals booked through Capital One Travel
Up to $120 credit for Global Entry or TSA PreCheck^®
$50 experience credit on select hotel and vacation rental bookings
Transfer miles to over 15 airline and hotel partners
No foreign transaction fees and no mileage caps

Enjoy flexible redemption at 1¢ per mile: cover travel purchases with statement credits, book directly through Capital One Travel or transfer to partner programs. Miles never expire and there’s no limit to how many you can earn. Manage everything in one intuitive app, with contactless chip-and-tap security, robust travel protections and 24/7 customer support.

Terms apply. See issuer’s website for full details.

Capital One Venture X Rewards

Elevate Your Travel at a Value: Capital One Venture X Rewards Credit Card

10X miles on hotels & rental cars booked through Capital One Travel
5X miles on flights & vacation rentals through Capital One Travel
2X miles on all other purchases
$395 annual fee, with up to $300 annual travel credit for portal bookings
10,000 anniversary bonus miles (worth $100) each year
Global Entry/TSA PreCheck credit up to $100 every four years
Unlimited lounge access at Capital One & Priority Pass lounges
No foreign transaction fees

Perfect for frequent explorers, this card’s robust benefits—from statement credits to lounge access—easily offset its annual fee. Book your next adventure, relax in premium lounges and enjoy seamless digital tools, all while earning unlimited rewards on every dollar spent.

Terms apply. See issuer’s website for rates, fees and complete details.

Bank of America® Premium Rewards®

Experience Premium Rewards on Every Journey with the Bank of America Premium Rewards Credit Card

2X points on travel and dining; 1.5X points on all other purchases
60,000 bonus points after $4,000 in purchases within 90 days (worth $600)
$95 annual fee—easily offset by your bonus and credits
No foreign transaction fees, so you can spend abroad without worry
Up to $100 airline incidental credit annually for baggage fees, upgrades or lounge access
Global Entry/TSA PreCheck credit up to $100 every four years
25%–75% more points when you enroll in Preferred Rewards^®

Ideal for frequent flyers and foodies alike, this card delivers powerful travel protections—trip delay, cancellation, baggage insurance—and access to Visa Signature Luxury Hotel Collection perks like upgrades and daily breakfast. Your points never expire and are worth at least 1¢ each toward travel, cash back or gift cards. Elevate your adventures with premium perks at a smart price.

Terms apply. See issuer for complete details.

The Platinum Card® from American Express

Unlock Unmatched Travel & Lifestyle Perks with The Platinum Card^® from American Express

5X points on flights booked directly with airlines or through AmEx Travel, and on prepaid Fine Hotels + Resorts^® & The Hotel Collection^® stays
1X point on all other purchases
$200 airline fee credit (up to $200 per calendar year) for baggage fees, in‑flight refreshments and other incidental charges
$200 hotel credit (up to $200 per calendar year) for prepaid Fine Hotels + Resorts^® or The Hotel Collection^® bookings
$240 digital entertainment credit ($20 per month) on eligible streaming services
$300 Equinox credit ($25 per month) for Equinox gym or app purchases
$189 CLEAR^® Plus credit (up to $189 per calendar year) for expedited airport security
$100 Global Entry/TSA PreCheck^® credit every 4–4.5 years
Complimentary lounge access to The Centurion^® Network, Priority Pass™ Select, Delta Sky Clubs^® (when flying Delta) and more
$695 annual fee

Whether you’re jetting across continents or unwinding at a luxury resort, The Platinum Card^® delivers premium benefits that easily offset its fee—if you use them. Earn accelerated Membership Rewards^® points on travel, then redeem or transfer them to top airline and hotel partners. Enjoy exclusive credits, top‑tier lounge access and white‑glove concierge services, all managed seamlessly in the AmEx app. Terms apply.

American Express® Gold Card

Experience Dining & Travel Rewards with the American Express^® Gold Card

Up to 100,000 Membership Rewards^® points after $6,000 in purchases within the first 6 months
4X points at restaurants worldwide (on up to $50,000 per year, then 1X)
4X points at U.S. supermarkets (on up to $25,000 per year, then 1X)
3X points on flights booked directly with airlines or on AmEx Travel
1X point on all other purchases
No foreign transaction fees
$120 annual dining credit ($10 monthly) at select partners like Grubhub & The Cheesecake Factory
Up to $120 Uber Cash ($10 monthly) for U.S. Uber rides & Uber Eats
Up to $100 Resy credit ($50 semi‑annually) on eligible restaurant bookings
Up to $84 Dunkin’ credit ($7 monthly) at U.S. Dunkin’ locations
Transfer points to leading airline & hotel partners for maximum value

Whether you’re indulging in chef‑crafted meals, stocking up on groceries or flying across the globe, the AmEx Gold Card turns everyday spend into premium rewards. Use your monthly credits, earn accelerated points on dining and travel, and redeem points for statement credits or transfer to top loyalty programs—all while enjoying no foreign transaction fees.

Terms apply. Welcome offer and credits require enrollment and qualifying purchases. See issuer for full details.

FAQs About Rewards Credit Cards

What kinds of rewards can I earn with a credit card?

Depending on the card, you can earn cash back, points, or miles. Cash back is typically a percentage of your spending, while points and miles can be redeemed for travel, gift cards, or merchandise. Some cards also offer flexible rewards you can transfer to airline or hotel partners.

How do I choose a rewards card that fits my lifestyle?

Start by looking at where you spend the most — groceries, gas, dining, or travel. Then compare cards that offer bonus rewards in those categories. Flat-rate cards are great if your spending is varied, while category-based cards can offer higher returns if you’re consistent.

Do I need to track my spending to make the most of my rewards?

If you’re using a card with rotating categories or targeted offers, yes — tracking helps you optimize earnings. But if you prefer simplicity, go for a flat-rate card that earns the same rewards on every purchase, without extra effort or planning.

Are there any downsides to rewards credit cards?

Rewards cards tend to have higher interest rates, so they’re best suited for people who pay off their balances in full each month. Some also come with annual fees — which are worth it only if the benefits outweigh the cost for your situation.

Can rewards be used for something other than travel?

Absolutely. While travel redemptions often offer the best value, you can also redeem rewards for cash back, gift cards, or purchases through shopping portals. Just be aware that some redemptions, like merchandise, tend to offer lower returns per point.

What happens to my rewards if I close the card?

In most cases, you’ll lose your unused rewards when closing a card — especially with proprietary or issuer-tied programs. Always redeem or transfer your rewards before canceling. For transferable points like Chase Ultimate Rewards or Amex Membership Rewards, options may vary.

Is it better to earn points, miles, or cash back?

It depends on your goals. Cash back is simple and flexible. Points and miles can unlock higher value, especially for travel, but often require more strategy. If you enjoy maximizing value, points and miles are great — otherwise, cash back may be the better fit.