Bankrate surveyed credit cards offered by the 10 largest U.S. issuers as well as several investment cards to find the best reward card.

To see the details of each credit card, click on the name of the credit card.

Credit cards
Issuer Card Cash-back ratio
American Express Blue Cash 0.5% (1% for everyday purchases) up to $6,500; then 1.25% (5% for everyday purchases)
American Express True Earnings card from Costco 1% (2% travel, 3% dining, 3% on first $3,000 of gasoline)
Bank of America Accelerated Cash Rewards American Express 1.25%
Bank of America BankAmericard Power Rewards Visa Signature Card 0.5% to 0.8%
Bank of America Cash Rewards Visa Signature 1%
Capital One No Hassle Cash (Average Credit) 1% (2% gas and groceries)
Capital One No Hassle Cash (Excellent Credit) 1%
Capital One No Hassle Cash (Limited Credit) 1% (2% on gas and groceries)
Capital One Venture Rewards Credit Card 1%
Chase Chase Freedom 1% (5% on certain categories)
Chase Chase Sapphire with Ultimate Rewards 1%
Citibank Citi CashReturns 1%
Citibank Citi Forward 0.625% (3.125% on dining and entertainment)
Citibank Diamond Preferred Rewards 0.625%
Discover Miles by Discover 0.5% (1% on travel and restaurants up to $3,000)
Discover More Card 0.25% up to $3,000; then 1%; 5% on certain categories
Discover Motiva 0.25% up to $3,000; then 1%
Discover Open Road 0.25% up to $3,000; then 1%; 2% on first $250 of gasoline and restaurants per month
Fidelity 529 College Rewards American Express 2%
Fidelity Investment Rewards American Express 2%
Fidelity Investment Rewards Visa 1.5%
Fidelity Retirement Awards American Express 2%
First National Bank of Omaha BucksBack 1%
First National Bank of Omaha Maximum Rewards 0.7% to 1.25%
Navy FCU Cash Rewards 1% on first $10,000, then 1.5%
Navy FCU goRewards 1% to 1.25%
U.S. Bank FlexPerks Cash Rewards Visa 1%
U.S. Bank FlexPerks Select Rewards Visa 0.5%
Wells Fargo Cash Rewards 1%
Wells Fargo Rewards 1%

« Back to the 2010 Credit Card Cash-Back Study

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