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19 best rewards credit cards of June 2023

Updated June 06, 2023

Rewards credit cards are a great way to make the most of your everyday expenses, allowing you to earn bonus miles, points or cash back on your purchases. While cash back is one of the simplest forms of rewards, miles or points may offer even more value for frequent travelers and shoppers.

These card offers from our partners carry some of the best rewards value and perks out there, with each issuer offering a variety of programs to suit your unique spending habits. Whether you need a flat-rate card to cover any purchase, a bonus or rotating category card for specialized spending or even a choice category card for ultimate flexibility, we’ll help you find the credit card that helps you reach your rewards goals.

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Image of Wells Fargo Active Cash® Card

Best for flat-rate cash rewards

Wells Fargo Active Cash® Card

chance of approval
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Apply now Lock
on Wells Fargo's secure site
Rating: 4.3 stars out of 5
4.3 Bankrate review
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Intro offer

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Annual fee

Good to Excellent (670 – 850)
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chance of approval
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Image of Capital One SavorOne Cash Rewards Credit Card

Best for food and entertainment

Capital One SavorOne Cash Rewards Credit Card

Apply now Lock
on Capital One's secure site
Rating: 4.9 stars out of 5
4.9 Bankrate review
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Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
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Image of Chase Sapphire Preferred® Card

Best for sign-up bonus

Chase Sapphire Preferred® Card

Apply now Lock
on Chase's secure site
Rating: 4.9 stars out of 5
4.9 Bankrate review
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Intro offer

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Annual fee

Recommended credit

Good to Excellent (670 – 850)
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Image of Discover it® Cash Back

Best for deal hunters

Discover it® Cash Back

Apply now Lock
on Discover's secure site
Rating: 4.4 stars out of 5
4.4 Bankrate review
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Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
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Image of American Express® Gold Card
chance of approval
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Apply now Lock
on American Express's secure site
Rating: 5 stars out of 5
5.0 Bankrate review
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See Rates & Fees , Terms Apply
See if you're pre‐approved for this card with Approval Odds

Intro offer

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Annual fee

Good to Excellent (670 – 850)
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chance of approval
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Image of Capital One VentureOne Rewards Credit Card

Best no annual fee travel card

Capital One VentureOne Rewards Credit Card

Apply now Lock
on Capital One's secure site
Rating: 4.1 stars out of 5
4.1 Bankrate review
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Intro offer

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Annual fee

Recommended credit

Good to Excellent (670 – 850)
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Image of The Platinum Card® from American Express
chance of approval
Info
Apply now Lock
on American Express's secure site
Rating: 4.8 stars out of 5
4.8 Bankrate review
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See Rates & Fees , Terms Apply
See if you're pre‐approved for this card with Approval Odds

Intro offer

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Annual fee

Good to Excellent (670 – 850)
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chance of approval
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Image of Capital One Quicksilver Cash Rewards Credit Card
Apply now Lock
on Capital One's secure site
Rating: 3.8 stars out of 5
3.8 Bankrate review
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Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
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Image of Capital One Venture Rewards Credit Card

Best for for flat-rate travel rewards

Capital One Venture Rewards Credit Card

Apply now Lock
on Capital One's secure site
Rating: 4.9 stars out of 5
4.9 Bankrate review
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Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
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Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
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Image of Citi Premier® Card

Best for occasional travel

Citi Premier® Card

chance of approval
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Apply now Lock
on Citi's secure site
Rating: 4.7 stars out of 5
4.7 Bankrate review
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Intro offer

Info

Annual fee

Good to Excellent (670 – 850)
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chance of approval
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Image of Bank of America® Premium Rewards® credit card

Best Bank of America travel card

Bank of America® Premium Rewards® credit card

Apply now Lock
on Bank of America's secure site
Rating: 4.4 stars out of 5
4.4 Bankrate review
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Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
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Image of Capital One Venture X Rewards Credit Card

Best for affordable travel perks

Capital One Venture X Rewards Credit Card

chance of approval
Info
Apply now Lock
on Capital One's secure site
Rating: 5 stars out of 5
5.0 Bankrate review
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Intro offer

Info

Annual fee

Excellent (740 – 850)
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chance of approval
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Image of American Express® Green Card
Apply now Lock
on American Express's secure site
Rating: 4.5 stars out of 5
4.5 Bankrate review
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See Rates & Fees , Terms Apply

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
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Image of Blue Cash Preferred® Card from American Express
chance of approval
Info
Apply now Lock
on American Express's secure site
Rating: 4.4 stars out of 5
4.4 Bankrate review
Info
See Rates & Fees , Terms Apply
See if you're pre‐approved for this card with Approval Odds

Intro offer

Info

Annual fee

Good to Excellent (670 – 850)
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chance of approval
Info
Info
Image of My GM Rewards Card™

BEST FOR GM PAYMENTS & LEASES

My GM Rewards Card™

Apply now Lock
on Goldman Sachs Bank USA's secure site
Rating: 3.9 stars out of 5
3.9 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
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Image of Wells Fargo Autograph℠ Card

BEST FOR EVERYDAY TRAVEL

Wells Fargo Autograph℠ Card

Apply now Lock
on Wells Fargo's secure site
Rating: 4 stars out of 5
4.0 Bankrate review
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Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
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Image of Bilt Mastercard®

BEST FOR PAYING RENT

Bilt Mastercard®

Apply now Lock
on Wells Fargo's secure site
Rating: 4 stars out of 5
4.0 Bankrate review
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Intro offer

N/A

Annual fee

Recommended credit

Good to Excellent (670 – 850)
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Image of Chase Sapphire Reserve®

Best rewards value

Chase Sapphire Reserve®

Apply now Lock
on Chase's secure site
Rating: 5 stars out of 5
5.0 Bankrate review
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Intro offer

Info

Annual fee

Recommended credit

Excellent (740 – 850)
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On This Page

Compare Bankrate’s top rewards credit cards

Card name Our pick for Rewards highlights Annual fee Bankrate review score
Wells Fargo Active Cash Card Flat-rate cash rewards
2% cash rewards on purchases
$0 4.3 / 5
(Read full card review)
Capital One SavorOne Cash Rewards Credit Card Food and entertainment
10% cash back on Uber rides and Uber Eats orders (through Nov. 14, 2024)
8% cash back on Capital One Entertainment purchases
5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®)
$0 4.9 / 5
(Read full card review)
Chase Sapphire Preferred Card Sign-up bonus
5X points on Chase Ultimate Rewards travel and Lyft rides (Lyft offer through March 31, 2025)
3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs)
2X points on all other travel purchases
25% increased redemption value toward travel through Chase Ultimate Rewards
 
Bankrate’s rewards value: 2 cents per point*
$95 5.0 / 5
(Read full card review)
Discover it® Cash Back Deal hunters
5% cash back on rotating bonus categories after activation (on up to $1,500 in combined purchases per quarter, then 1%)
$0 4.4 / 5
(Read full card review)
American Express Gold Card
Foodies
4X points on restaurants, eligible delivery service and U.S. supermarket purchases (supermarket rate on up to $25,000 of purchases per year, then 1X points)
3X points on flights booked directly with airlines or via American Express Travel

Bankrate’s rewards value: 2.1 cents per point*
$250 5.0 / 5
(Read full card review)
Capital One Venture Rewards Credit Card Flat-rate travel rewards
5X miles on hotels and rental cars booked through Capital One Travel
2X miles on every purchase

Bankrate’s rewards value: 2 cents per mile*
$95 4.9 / 5
(Read full card review)
The Platinum Card from American Express Luxury travel
5X points on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (on up to $500,000 spent per calendar year)
 
2X points on prepaid car rentals, vacation packages and cruise reservations through American Express Travel
1X points on all other purchases
 
Bankrate’s rewards value: 2.1 cents per point*
$695 4.8 / 5
(Read full card review)
Capital One Quicksilver Cash Rewards Credit Card Starter rewards
5% cash back on hotels and rental cars booked through Capital One Travel
1.5% cash back on all purchases
$0 3.8 / 5
(Read full card review)
Capital One VentureOne Rewards Credit Card No annual fee travel card
5X miles on hotels and rental cars booked through Capital One Travel
1.25X miles on all other purchases

Bankrate’s rewards value: 2 cents per mile*
$0 4.8 / 5
(Read full card review)
Citi Custom Cash Card Gas
5% cash back on purchases on the top eligible spend category each billing cycle (up to the first $500 spent each cycle, 1% cash back thereafter)
1% cash back on all other purchases
$0 4.4 / 5
(Read full card review)
Citi Premier Card Occasional travel
10X points on hotel, car rental and attraction purchases through the Citi Travel portal (through June. 30, 2024)
 
3X points on restaurant, supermarket, gas station, hotel and air travel purchases. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi TravelSM portal (through June 30, 2024).
 
Bankrate’s rewards value: 1.9 cents per point*
$95 4.7 / 5
(Read full card review)
Bank of America Premium Rewards credit card Savers
2X points on travel and dining
1.5X points on all other purchases

Bankrate’s rewards value: 1 cent per point* (Bank of America Preferred Rewards members can receive boosted rates of up to 3.5X points on travel and dining, and 2.62X points on all other purchases)
$95 4.1 / 5
(Read full card review)
Capital One Venture X Rewards Credit Card
Affordable travel perks
10X miles on hotels and rental cars booked through Capital One Travel
5X miles on flights booked through Capital One Travel
2X miles on all other purchases

Bankrate’s rewards value: 2 cents per mile*
$395 5.0 / 5
(Read full card review)
American Express® Green Card Transit

3X points on travel and transit and at restaurants worldwide

Bankrate’s rewards value: 2.1 cents per point*

$150

4.5 / 5
(Read full card review)

Blue Cash Preferred Card from American Express Groceries
6% cash back on select U.S. streaming subscriptions and at U.S. supermarkets (up to $6,000 per year in supermarket purchases, then 1%)
3% cash back on U.S. gas station and transit purchases
$95 ($0 intro annual fee for the first year) 4.4 / 5
(Read full card review)
My GM Rewards Card GM payments and leases
7X points on eligible GM purchases
4X points on all other purchases
 
Baseline rewards value: 1 cent per point (toward eligible GM purchases)
$0 3.9 / 5
(Read full card review)
Wells Fargo Autograph Card Everyday travel
3X points on restaurant, travel, transit, gas station, phone plan and popular streaming service purchases
1X points on all other purchases

Bankrate’s rewards value: 1 cent per point*
$0 4.0 / 5
(Read full card review)
Bilt Mastercard Paying rent
3X points on dining
2X points on travel
1X points on rent payments (up to a maximum 100,000 points per year) and other purchases
 
(Bilt Rent Day doubles all rewards rates on the first day of each month for 2X points to 6X points on non-rent purchases, up to 10,000 points.)
$0 4.0 / 5
(Read full card review)
Chase Sapphire Reserve
Rewards value
10X points on hotels, car rentals and Chase Dining purchases via Chase Ultimate Rewards, and on Lyft rides (Lyft offer through March 31, 2025)
5X points on air travel via Chase Ultimate Rewards
3X points on dining and other travel
50% increased redemption value toward travel through Chase Ultimate Rewards

Bankrate’s rewards value: 2 cents per point* (Points on travel purchases only earned after the first $300, which is covered by the annual travel credit)
$550 5.0 / 5
(Read full card review)
*Bankrate’s points and miles valuations are based on an average of the issuer’s five highest-value transfer partners (if available).

A closer look at the best rewards credit cards

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Best for flat-rate cash rewards

Wells Fargo Active Cash® Card

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It’s perhaps the first time we’ve seen unlimited 2 percent cash rewards on purchases without additional hoops to jump through to earn the full rewards rate. And unlike a number of other flat-rate cards, the Wells Fargo Active Cash Card comes with features like a solid intro APR and a welcome offer.
Cash rewards seekers who prefer a simple, valuable earning structure — especially big spenders and those with purchases that fall outside typical bonus categories.
The Citi® Double Cash Card may be a better option if you’re looking for a flat-rate card with an intro APR balance transfer offer. Meanwhile, the Bank of America® Unlimited Cash Rewards credit card (if you’re a Bank of America Preferred Rewards member) or Chase Freedom Unlimited® (due to its additional 3 percent cash back categories) have the potential to be more valuable for some cardholders.
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Best for food and entertainment

Capital One SavorOne Cash Rewards Credit Card

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Entertainment rewards are hard to come by, but the most impressive benefit is the SavorOne’s incredible bonus category coverage — especially for frequent diners. Its list of rewards-eligible locations is already broad, but its supporting categories mean you’ll earn 3 percent cash back on dining and entertainment purchases that generally don’t earn rewards, like select streaming services and meals at grocery store food courts, tourist attractions, movie theaters, amusement parks, sporting events and more.
On-the-go foodies and thrill-seekers that want an all-in-one everyday rewards option to feed their next experience.
If you don’t spend much at the grocery store or on entertainment but want a no-annual-fee card to use for most purchases, then the Chase Freedom Unlimited may be a better option. Its unique rewards structure offers plenty of chances to earn cash back, thanks to multiple bonus categories (including unlimited 3 percent cash back on dining) and a 1.5 percent flat rate for all other eligible purchases.
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Best for sign-up bonus

Chase Sapphire Preferred® Card

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It comes with generous rewards rates for both travel and everyday purchases, a great sign-up bonus, high point redemption values and stellar transfer partners — making now a great time to apply if you're in the market for a starter travel card with solid short- and long-term value. In fact, this card’s current welcome offer is one of the most valuable on the market.