Best Rewards Credit Cards

Bankrate has carefully reviewed all of the fan-favorites, newest offers and revamped cards to compile what we deem the best credit cards from our partners. There's a rewards card out there for everyone — chances are, yours is right here. Apply for one and take advantage of your 2019 rewards by earning points, miles or cash back.

Best rewards credit cards of 2019


Need more information?

Skip down to read our card profiles and expert advice.

Best for a low regular variable APR

HSBC Image

Recommended Credit Score

Excellent to Good (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On HSBC's secure website

HSBC Gold Mastercard® credit card

Annual Fee:
$0
Purchase Intro APR:
0% Introductory APR on credit card purchases for the first 18 months from account opening
Balance Transfer Intro APR:
0% Introductory APR on balance transfers for the first 18 months from account opening
Regular APR:
Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period

Card Details

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
  • No Penalty APR
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
Pentagon FCU Image

Recommended Credit Score

Excellent Credit (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Pentagon FCU's secure website

PenFed Power Cash Rewards Visa Signature® Card

Rewards Rate:
Earn up to 2% cash back through the PenFed Honors Advantage program 1.5% unlimited cash back on all purchases
Welcome Offer:
$100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
0% for 12 months
Regular APR:
11.99%-17.99% Variable

Card Details

  • 0% APR promo balance transfer rate for 12 months with 3% balance transfer fee now through September 30, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 11.99% to 17.99%. APR will vary with the market based on Prime Rate. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • Rate and offers current as of April 1, 2019 and are subject to change.
  • 1.5% unlimited cash back on all purchases. Flexible cash redemption options. No caps, limits or category restrictions on rewards. Earn up to 2% cash back through the PenFed Honors Advantage program
  • No annual or foreign transaction fees
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable rate as low as 11.99% APR
Terms and Restrictions Apply

Best for rotating cash back bonus categories

Discover Image

Recommended Credit Score

Fair Credit (0 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Discover's secure website

Discover it® Student Cash Back

Rewards Rate:
Earn 5% cash back in rotating categories each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Earn 1% unlimited cash back on all other purchases – automatically.
Welcome 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.
Annual Fee:
$0
Purchase Intro APR:
0% for 6 months
Balance Transfer Intro APR:
10.99% for 6 months
Regular APR:
15.24% - 24.24% Variable

Card Details

  • 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.
  • 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.
Credit One Bank Image

Recommended Credit Score

Fair Credit (580 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Credit One Bank's secure website

Credit One Bank® NASCAR® Visa® Credit Card

Rewards Rate:
Receive 1% cash back on eligible purchases and double cash back at the NASCAR.com Superstore. Terms apply.
Annual Fee:
$0 - $99
Purchase Intro APR:
N/A
Regular APR:
20.24% - 26.24% Variable

Card Details

  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Get double cash back rewards at the NASCAR.com Superstore. Terms Apply.
  • Find out if you Pre-Qualify without harming your credit score. It's fast, easy, and secure.
  • Zero Fraud Liability ensures that your account is protected against unauthorized charges.
  • Accounts are automatically reviewed for credit line increase opportunities.
  • Take advantage of free online access to your Experian credit score and credit report summary. Terms apply.
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you're at home or on-the-go.
  • Always know what's happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.
Terms and Restrictions Apply
Pentagon FCU Image

Recommended Credit Score

Excellent Credit (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Pentagon FCU's secure website

PenFed Platinum Rewards Visa Signature® Card

Rewards Rate:
Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards. Earn 3 points on supermarket purchases. Earn 1 point on all other purchases.
Welcome Offer:
$100 bonus after spending $1,500 in purchase transactions within 90 days of account opening.
Annual Fee:
See Terms
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
0% for 12 months
Regular APR:
11.99%-17.99% Variable

Card Details

  • 0% APR promo balance transfer rate for 12 months now through September 30, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 11.99% to 17.99%. APR will vary w/the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • Rate and offers current as of April 1, 2019 and subject to change.
  • Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards.
  • Earn 3 points on supermarket purchases
  • Earn 1 point on all other purchases
  • No annual fee
  • No foreign transaction fees
  • No cash advance fee
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable rate as low As 11.99% APR
Terms and Restrictions Apply

Best for gas, dining & large purchases

Discover Image

Recommended Credit Score

Fair Credit (0 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Discover's secure website

Discover it® Student chrome

Rewards Rate:
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Earn 1% unlimited cash back on all other purchases – automatically.
Welcome 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.
Annual Fee:
$0
Purchase Intro APR:
0% for 6 months
Balance Transfer Intro APR:
10.99% for 6 months
Regular APR:
15.24% - 24.24% Variable

Card Details

  • 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.
  • 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.

Best for first-year bonus

Discover Image

Recommended Credit Score

Bad Credit to Limited (0 - 670)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Discover's secure website

Discover it® Secured

Rewards Rate:
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Earn unlimited 1% cash back on all other purchases.
Welcome Offer:
We automatically match all the cash back you've earned at the end of your first year.
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
10.99% for 6 months
Regular APR:
25.24% Variable

Card Details

  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Credit One Bank Image

Recommended Credit Score

Excellent to Good (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Credit One Bank's secure website

NASCAR® Credit Card from Credit One Bank®

Rewards Rate:
Get double cash back rewards at the NASCAR.com Superstore, terms apply. Get 1% cash back rewards on eligible purchases
Annual Fee:
$0 - $99
Purchase Intro APR:
N/A
Regular APR:
20.24% - 26.24% Variable

Card Details

  • See if you Pre-Qualify without harming your credit score
  • Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore, terms apply
  • No need to fret-you're covered by $0 Fraud Liability
  • Accounts are automatically reviewed for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Never miss an account update with customizable text and email alerts
Terms and Restrictions Apply
Charity Charge Image

Recommended Credit Score

Excellent to Good (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Charity Charge's secure website

Charity Charge World Mastercard® Credit Card

Rewards Rate:
Earn an unlimited 1% cash back that's automatically donated on your behalf through your everyday purchases.
Annual Fee:
$0
Purchase Intro APR:
1.99% for 6 monthly billing cycles
Balance Transfer Intro APR:
1.99% for 6 monthly billing cycles
Regular APR:
16.24%-22.24% (Variable)

Card Details

  • Donate your cash back to any nonprofit or religious organization of your choice.
  • Earn an unlimited 1% cash back that's automatically donated on your behalf through your everyday purchases.
  • No Annual Fee.
  • An easy way to make a difference (at no cost to you).
  • 100% Tax-Deductible.
  • Low APR between Prime + 6.99%-16.99% dependent on creditworthiness. Balance transfer fee of either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
  • Receive all the benefits of a World MasterCard such as: extended warranty, MasterCard global service, concierge services, ID theft protection, price guarantee, and many more exclusive services.
  • Chip and Apple Pay enabled.
Terms and Restrictions Apply

Best for companion fare

Bank of America Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Bank of America's secure website

Alaska Airlines Visa Signature® credit card

Rewards Rate:
Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases Unlimited 1 mile for every $1 spent on all other purchases
Welcome Offer:
Get 40,000 bonus miles and Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account
Annual Fee:
$75
Purchase Intro APR:
N/A
Regular APR:
18.24%-26.24% Variable APR on purchases and balance transfers

Card Details

  • Now - 40,000 Bonus Mile + Alaska's Famous Companion Fare™ Offer.
  • Get 40,000 bonus miles and Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account.
  • Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation.
  • Get Alaska's Famous Companion Fare™ every year! Each year on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com with no blackout dates.
  • Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases and unlimited 1 mile for every $1 spent on all other purchases. And, your miles don't expire on active accounts.
  • New! Enjoy 50% off day passes at the Alaska Lounge and 20% back on all Alaska Airlines inflight purchases when you pay with your new card.
  • Redeem miles with no blackout dates on any of Alaska's 1,200 daily flights or choose from over 900+ destinations with more than a dozen global airline partners. Plus, get exclusive access to discounted redemption levels when you redeem miles for hotel stays at over 400,000 properties using Alaska Airlines Hotels.
  • Plus, no foreign transaction fees and a low $75 annual fee.
Terms and Restrictions Apply

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.


Author: Claire Dickey

Questions? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.


What you need to know about rewards credit cards

With a rewards credit card, you can unlock value from the spending you do every day. Whether you’re looking to earn rewards on travel, shopping, dining out, filling up the tank or a more specific purchase, there’s a rewards credit card that can help you do it.

Rewards cards and how they work

A rewards card can earn you points, miles or cash back for purchases made with the card. The card can be flat-rate — meaning it offers the same percentage back for every purchase — or offer rotating bonus categories —  meaning you’ll earn different percentages depending on the category in which your purchase falls.

Depending on the issuer, rewards cards offer distinct rewards programs and have specific rules concerning how you can redeem your rewards. Some rewards cards, such as the Wells Fargo Propel American Express® Card, for example, require that you redeem your rewards through the issuer’s portal. In the case of the Propel card, that would be the Go Far® Rewards portal.

There can also be restrictions on what you can redeem your rewards for, such as cash back, statement credit, gift cards, shopping, travel and more. The Citi® Double Cash Card, for example, doesn’t offer a travel redemption option for cash back earnings but does offer statement credit, direct deposit and checks.

Is a rewards card worth it?

When you pay for purchases with cash or a debit card, you’re leaving the potential for rewards on the table.

With a rewards card, you can earn points, miles or cash back while cashing in on the additional perks of whichever rewards program your card falls under. Many rewards cards come with benefits like travel credits, cell phone protection, free checked bags, shopping discounts, travel protections and more.

As long as you have good credit and are a responsible spender, a rewards credit card can be an excellent addition to your wallet. For more information on rewards cards available to you, visit our rewards credit card review page.

Types of rewards cards

Navigating all the rewards card options available to you can be difficult. That’s why we broke out some of the most common types, along with more detailed recommendations from our team on the best cards in each category.

Cash back

With a cash back rewards card, you’ll earn a percentage of cash back on purchases. Your cash back will typically be applied as a statement credit toward your account, yet some cards — such as the U.S. Bank Cash+ Visa Signature Card — can directly deposit the cash back into your U.S Bank checking or savings account.

Travel

Whether it’s a co-branded card with an airline or hotel or a general-purpose travel rewards card, these cards can help frequent travelers earn rewards for their travel-related spending.

With a travel rewards card, you can expect perks like discounted trips, seat upgrades, travel insurance benefits, statement credits and more. For example, the Capital One Venture Rewards Credit Card offers up to $100 Global Entry or TSA PreCheck® credit. Read our guide to your first travel rewards card for tips on how to choose the right travel card option for you.

Co-branded retail cards

Certain co-branded cards are issued through a partnership between a credit card company and a retailer. With co-branded retail cards, you can earn discounts, free shipping and members-only access events.

The Costco Anywhere Visa® Card by Citi, for example, will earn you 4% cash back on eligible gas (up to $7,000 per year, then 1%), 3% on restaurant and eligible travel purchases and 2% on all other purchases from Costco and Costo.com. You’ll earn 1% on all other purchases.

Business

With a business rewards card, you can earn rewards for any business-related spending. The Capital One® Spark® Cash for Business, for example, will earn you an unlimited 2% cash back on every purchase for your business.

These cards may offer perks like free employee cards, travel and auto insurance, travel statement credits and more. If you’re interested in applying for a business credit card, read our tips on how to choose the right card.

“I have [a lot of] credit cards and use each of them for specific reasons: free nights, free flights, upgraded hotel rooms, cash back, etc. Overall, though, the goal is to strategically earn rewards, perks, and cash back to allow my family of four to travel as much as we want for as little money as possible. ”
— Lee Huffman, Travel & Lifestyle Writer at Bald Thoughts

Redeeming your rewards

A stash of rewards is only meaningful if you redeem them. Thankfully, many cards offer unlimited redemption and rewards that don’t expire, but it’s still important to consider all the ways rewards can be used prior to applying for a card.

Redemption options

Before redeeming, you should know what your particular card allows you to redeem for. Options generally include statement credit, cash back, gift cards, shopping, travel and donations. If you plan on redeeming for travel, familiarize yourself with your particular card’s rules before doing so.

Rewards portals

Some rewards credit cards allow you to transfer your rewards to partner hotels and airlines, but more commonly, cards will require that travel be redeemed through their portal. Make sure to research which cards require this prior to applying, especially if you value flexibility.

Transferring rewards

If you’re interested in transferring your rewards from your card to an airline or hotel’s loyalty program, some cards allow you to do so and often for increased value. For example, many Chase cards allow you to transfer Chase Ultimate Rewards points to other travel loyalty programs at a 1:1 value.

How to maximize your rewards

Developing a thorough credit card strategy doesn’t happen overnight. Here are a few ways you can maximize your rewards at every stage in your card’s lifecycle.

Determine what your goals are

Before you apply for a card, decide what your goals are for using it. Would you like to do more traveling? Are you interested in saving money on everyday expenses like groceries and gas? Do you want to upgrade your airline or hotel status?

When you establish your long-term goals for your card use, you can then go on to develop a well-coordinated credit card strategy.

Take a look at your spending habits

The rewards card you choose should have a rewards structure centered around what you spend the most on. For example, if you manage a busy family of five, a rewards card that offers a high percentage of cash back on gas and groceries may be a good fit.

Should you already have one or more rewards cards, look for another that accomplishes a new goal or covers a segment of your budget not already accounted for.

Max out your spending categories

To get the most bang for your buck, you’re going to want to max out your card’s spending categories each quarter, should they have them. Cards with unlimited earning potential are an exception.

For example, if you owned the Discover it® Cash Back and spent $1,500 every three months on the 5% cash back rotating category, you’d have successfully maxed out the category at the 5% rewards rate (1% thereafter, activation required).

Double up on cards to earn more

To earn even more rewards, you can pair rewards cards that earn rewards for different types of spending.

Our most important piece of advice when it comes to pairing cards is to start slowly. Applying for multiple cards at once will only hurt your credit score — instead, start with the one that has the widest rewards net and slowly move onto others with more limited rewards categories.

If you’re interested in learning more about pairing cards, read our guide to the best credit card combinations.

“The main thing we look for [in a rewards credit card] is the rate at which the miles are accumulated and which spending habits the card will work best for. Since we rarely eat out having a card pay 2x points on restaurants is not beneficial to us compared to a card with 1.5x points on everyday purchases.”
— Brittany and Kelan Kline, Co-Founders at The Savvy Couple

Top picks for rewards credit cards

Here’s a look at the best rewards credit cards of 2019, according to our experts:

Card Name Best for Bankrate Review Score
Capital One® Venture® Rewards Credit Card Travel 4.6/5
Chase Freedom Unlimited® Your first rewards credit card 4.6/5
Capital One® Savor® Cash Rewards Credit Card Dining and entertainment 4.6/5
Chase Sapphire Preferred® Card Points flexibility 4.7/5
Discover it® Cash Back First-year cash back bonus 4.8/5
Capital One® VentureOne® Rewards Credit Card Low APR 4.1/5
U.S. Bank Cash+™ Visa Signature® Card Personalized cash back rewards 4.5/5
Capital One® Quicksilver® Cash Rewards Credit Card Flat-rate cash back 4.8/5
Wells Fargo Propel American Express® Card Overall rewards 4.5/5
Chase Freedom® Rotating cash back categories 4.5/5

Capital One® Venture® Rewards Credit Card

What we love:

  • Receive 10X miles through January 2020 on thousands of hotels booked and paid for via hotels.com/venture
  • Annual fee waived the first year (then $95) and no foreign transaction fees
  • Get up to a $100 credit for Global Entry or TSA PreCheck®

This card isn’t for you if: You can’t live without lounge access.

Bottom line: The Venture Card is a solid travel rewards card with plenty of perks for the frequent traveler.

Read the full review and apply on Capital One’s secure website.

Chase Freedom Unlimited®

What we love:

  • First-year bonus offer changed from a $150 sign-up bonus to 3% cash back on all purchases your first year (up to $20,000, then 1.5%)
  • No annual fee and an introductory 0% APR on purchases and balance transfers for 15 months (17.24%–25.99% variable APR thereafter)

This card isn’t for you if: You frequently travel abroad, due to the 3% foreign transaction fee on purchases made outside of the United States.

Bottom line: The Freedom Unlimited offers both top-notch rewards and flexibility. You can redeem your rewards for cash back, gift cards, travel via the Chase Ultimate Rewards Portal and shopping at Amazon.com.

Read the full review and apply on Chase’s secure website.

Capital One® Savor® Cash Rewards Credit Card

What we love:

  • Perfect for the food lovers at heart with an unlimited 4% back on dining and entertainment, 2% at grocery stores and 1% on everything else
  • If summer concerts are the name of your game, you’ll love the 8% cash back on tickets at Vivid Seats through May 2020
  • $95 annual fee is waived for your first year and you’ll receive a stellar $300 cash bonus when you spend $3,000 in your first three months

This card isn’t for you if: You don’t frequently spend on entertainment or eating out.

Bottom line: The Savor Cash Rewards Card is the perfect option for food lovers, concertgoers and entertainment junkies.

Read the full review and apply on Capital One’s secure website.

Chase Sapphire Preferred® Card

What we love:

  • 25% boost to your points when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards
  • This boost would make your 60,000-point bonus (earned after spending $4,000 in your first three months) worth $750 toward travel when redeemed through the portal
  • One-to-one point transfer for nine airline and four hotel travel partners

This card isn’t for you if: You don’t like redeeming rewards through travel portals.

Bottom line: The Chase Sapphire Preferred is a great starter card for the semi-frequent traveler.

Read the full review and apply on Chase’s secure website.

Discover it® Cash Back

What we love:

  • Enroll each quarter to earn 5% cash back (up to $1,500 per quarter) on rotating categories, 1% thereafter
  • Discover will automatically match your cash back rewards at the end of your first year
  • No annual fee and your first late payment fee is waived (then up to $39)

This card isn’t for you if: You don’t enjoy keeping up with rotating bonus categories.

Bottom line: The Discover it Cash Back is a desirable no annual fee rewards card, especially due to its first-year bonus.

Read the full review and apply on Discover’s secure website.

Capital One® VentureOne® Rewards Credit Card

What we love:

  • In addition to 1.25X miles on every purchase, earn 10X miles on thousands of hotels booked and paid for at hotels.com/venture through January 2020
  • No foreign transaction fees for spending abroad
  • This no annual fee rewards card offers a 20,000-mile bonus when you spend $1,000 in your first three months (equivalent to $200 in travel)
  • Low variable APR of 14.24% – 24.24%

This card isn’t for you if: You value a higher rewards rate over no annual fee.

Bottom line: The VentureOne is an appealing travel rewards card with standard Capital One perks, but you can find better rewards structures in other travel cards. Despite the low APR (14.24% – 24.24% variable), the 0% introductory APR on purchases is only 12 months.

Read the full review and apply on Capital One’s secure website.

U.S. Bank Cash+™ Visa Signature® Card

What we love:

  • Choose two categories from a list of 12 to receive 5% cash back (up to $2,000 in combined purchases per quarter)
  • Then, choose between gas stations, grocery stores or restaurants to receive 2% cash back and get 1% back on everything else
  • Enjoy a $150 bonus after spending only $500 on eligible purchases within your first 90 days
  • No annual fee

This card isn’t for you if: You have trouble remembering to activate or elect rotating bonus categories or if you plan to use the card abroad (thanks to the 3% foreign transaction fee).

Bottom line: Would you like to choose from more than a handful of bonus categories? The U.S. Bank Cash+ Visa Signature can help you get more control over where you earn your rewards.

Read the full review and apply on U.S. Bank’s secure website.

Capital One® Quicksilver® Cash Rewards Credit Card

What we love:

  • Great no annual fee card for earning an unlimited 1.5% cash back
  • $150 cash bonus after you spend $500 within your first three months
  • Receive a 0% introductory APR for 15 months on purchases and balance transfers (16.24% – 26.24% variable thereafter)
  • No foreign transaction fees and standard Capital One benefits

This card isn’t for you if: You already own a flat-rate cash back card.

Bottom line: The Quicksilver is one of the better options for those looking for a no-fuss cash back card or who want to transfer a balance.

Read the full review and apply on Capital One’s secure website.

Wells Fargo Propel American Express® Card

What we love:

  • For no annual fee, you’ll earn a solid 3X points on the following: eating out and ordering in, gas stations, rideshares, transit, flights, hotels, homestays, car rentals and popular streaming services
  • Receive a 30,000-point bonus after spending $3,000 in your first three months (worth $300 in cash back)
  • No blackout dates on flights booked through Go Far® Rewards and you can pay with a combination of points and card payment

This card isn’t for you if: You’re looking for a simple rewards redemption option — points must be redeemed through the Go Far® Rewards portal and can’t be transferred to airline or hotel loyalty programs.

Bottom line: The Propel card offers a wonderful rewards structure without the burden of rotating categories or an annual fee, but be prepared to navigate Well Fargo’s online portal.

Read the full review and apply on Wells Fargo’s secure website.

Chase Freedom®

What we love:

  • Earning 5% rewards on rotating categories is a strong cash back offering
  • The 15 months on purchases and balance transfers (17.24-25.99% variable APR after that) provide both financing and repayment flexibility for cardholders

This card isn’t for you if: You actively budget before each quarter’s categories are announced.

Bottom line: The Chase Freedom® is a viable entry point for cost conscious cardholders looking to explore Chase’s expansive Ultimate Rewards Program, but for those who proactively budget, the rotating categories could be a wildcard to account for every quarter.

Read the full review and apply on Chase’s secure website.

Find the right rewards card for your credit score

Do you know the best rewards card for your credit score? Our experts at Bankrate have identified the top rewards cards for each credit score range.

Excellent credit: Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is a great travel rewards card for excellent credit offering points back for travel and dining at restaurants. This card is known for its massive sign-up bonus — 60,000 points when you spend $4,000 within the first three months of card ownership — as well as its 25% bonus on points redeemed for travel through the Chase Ultimate Rewards portal.

Good credit: Capital One Venture Rewards Credit Card

If you’re looking for a straightforward rewards card for good credit with both a solid sign-up bonus and rewards rate, look no further than the Capital One Venture Rewards Credit Card. You won’t get the same luxury benefits of an excellent credit travel rewards card, but you will enjoy no foreign transaction fees and a Global Entry or TSA PreCheck® credit of up to $100.

Fair credit: Capital One® QuicksilverOne® Cash Rewards Credit Card

The QuicksilverOne is the sibling to the Quicksilver and offers the same unlimited 1.5% cash back on every purchase. The difference? You don’t need excellent credit to qualify for the QuicksilverOne, but you will be charged a $39 annual fee. After making your first five monthly payments on time, you may receive access to a higher line of credit.

Poor credit: Discover it® Secured

Not many bad credit rewards cards offer both no annual fee and cash back rewards. With the Discover it Secured, you can start building your credit history or rebuild it altogether.

The card offers 2% cash back at gas stations and restaurants (up to $1,000 combined each quarter) and an unlimited 1% on everything else. You’ll also receive Discover’s first-year Cashback Match™ offer, meaning your cash back earnings will be automatically matched at the end of your first year.

Learn more about the best rewards cards for your credit score

Additional reading on rewards cards

For more information on all-things rewards cards, continue reading content from our credit card experts:

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.