Rewards such as Cash Back, Bonus Miles, and More Await You with These Cards

Pros

• Its standout perks (including above-average stellar travel insurance) and solid intro APR offers give this card great all-around value in addition to its ongoing rewards.
• The additional, unlimited bonus categories could easily make it a more lucrative standalone card than a flat-rate 2 percent card, depending on your spending habits.

Cons

• A few other cards offer a higher flat cash back rate (2 percent or more back on all purchases), so they could prove more valuable if you don’t spend much on travel or dining.
• The rideshare and delivery service partner perks certainly tack on extra value, but they only last for a limited time.

Pros

• It offers some of the best spending category coverage and unlimited rewards potential available on one card, which becomes especially valuable if paired with a Capital One travel card.
• The intro APR and reward bonus offers provide solid introductory value for a card in its class.

Cons

• This card is missing a handful of rewards categories that may make rival cards more rewarding based on your budget, including gas, general travel and transit.
• The grocery store category might not be as lucrative for some spenders since it doesn’t include wholesale clubs and superstores, such as Walmart, Target and Costco.

Pros

• Valuable perks like annual hotel statement credits and anniversary points bonus can carry enough value to easily justify the annual fee.
• High-value transfer partners make this card one of the best options for occasional travelers who want to earn rewards on everyday spending.

Cons

• Although Points Boost redemptions could be valuable, there’s no guarantee that your travel plans will be eligible.
• The card's grocery rewards rate only applies to eligible online grocery purchases, which could limit its appeal as a standalone option for everyday rewards.

Pros

• It’s one of the only no-annual-fee cards with benefits as valuable as its monthly credits for eligible home meal kits and Disney Bundle streaming subscriptions.
• Its intro APR is competitive and includes both purchases and balance transfers, which gives new cardholders breathing room with interest charges.

Cons

• Wholesale clubs and stores like Target and Walmart don’t count in the U.S. supermarkets category.
• You’ll only earn 3 percent cash back on up to $6,000 of annual spending in each select category before the rate drops to 1 percent, which could be a low ceiling for some spenders.

Pros

• Cellphone protection on this card is a handy but relatively uncommon perk that will be useful to many cardholders.
• It's one of the only 2 percent cash rewards cards with a welcome offer, well-rounded intro APR offers, no rewards spending caps and no minimum redemption requirements.

Cons

• Your reward redemption options are limited to cash rewards; you can’t transfer rewards to travel partners.
• It charges a 3 percent foreign transaction fee, which will be disappointing to people who enjoy traveling abroad.

Pros

• Discover matches the cash back you earn at the end of the first year — an offer that could be more valuable than other cards’ fixed welcome offers with spending requirements.
• It carries very few fees, a chance at a low APR and a more forgiving late payment policy than most rival cards.

Cons

• You must enroll to take advantage of the bonus categories each quarter, so it’s not a great fit if you’re looking for a simple, low maintenance rewards card.
• You’ll only earn a top rewards rate on your first $1,500 in spending each quarter, so it’s not ideal for large purchases or big spenders.

Pros

• Capital One miles are ultra-flexible: You can redeem for travel, transfer to airline and hotel partners or even as a reimbursement to cover travel purchases.
• Its ongoing welcome offer is one of the most valuable available with a general travel rewards card available at such a low cost.

Cons

• It doesn't offer many credits or perks, so it may not be worth it for occasional travelers.
• Capital One’s transfer partners don’t include a major U.S. airline.

Pros

• Transferring points to partner airline or hotel loyalty programs, which include popular brands like Delta and Hilton, can get you more value.
• You can earn additional rewards by enrolling in Amex Offers.

Cons

• You'll need to use the annual credits or transfer points for travel frequently to offset the annual fee.
• Your points are worth much less if you redeem them to cover dining purchases or any travel purchases other than airfare (they’re often worth half as much or less).

Pros

• With unlimited, flat-rate rewards, your earning potential is high and fairly simple.
• The intro APR offer on purchases could be ideal for financing a larger purchase.

Cons

• You can’t transfer points to airline or hotel travel partners for potentially higher points value.
• You must redeem a minimum of 2,500 points for travel credits and cash back.

Pros

• Unlike many rival cards, the lengthy introductory APR applies to both purchases and qualified balance transfers.
• You can get up to $600 in cell phone protection against damage or theft (subject to a $25 deductible) if you use the card to pay your monthly phone bill.

Cons

• The card comes with a 3 percent foreign transaction fee, which is standard, but adds to your balance if you use the card abroad.
• The card has limited long-term value since it doesn’t earn rewards (although this is common for balance transfer-focused cards).