If you’re looking for the best rewards credit cards you’re in the right place. The best credit cards on the market offer several benefits, such as lengthy promotional APRs on purchases or balance transfers, big sign-up bonuses and no annual fees. If you add up these perks, you’ll probably find a total of $1000 for the top credit cards.
But the best credit card for you will depend on your needs, spending habits and financial goals. To help you find the perfect credit card, we made a list of only the best rewards credit cards.
Chase Sapphire Preferred® Card
Bottom line: This incredible travel reward credit card recently got an upgraded bonus. The premium points program for travel and dining makes it easy for travel enthusiasts everywhere.
Credit Rating requirement: Good/Excellent
Rewards: 5x points on travel booked with Chase, 3x points on dining, 2x points on travel, 1x points on all other purchases. 25% more points for travel booked through Chase’s portal.
Annual fee: $95
Intro apr:
- Purchases: N/A
- Balance Transfers: N/A
- ONGOING APR: 15.99% – 22.99% Variable
Welcome Bonus: 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Great for: Travel sign up bonus
American Express® Gold Card
Bottom line: This is one of the best rewards credit cards. Despite the $250 annual fee, if you are a dining enthusiast, you can easily recoup that charge by cashing in their annual credits and capitalizing on the best-in-class return rate on food-related spending. Plus, there’s a generous welcome bonus in your first year.
Credit Rating requirement: Good/Excellent
Rewards: 4X Membership Rewards® Points at Restaurants, including takeout and delivery. 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Annual fee: $250
Intro apr:
- Purchases: N/A
- Balance Transfers: N/A
- ONGOING APR: See Pay Over Time APR
Welcome Bonus: Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Great for: dining rewards and welcome bonus
Capital One Venture Rewards Credit Card
Bottom line: This card is an excellent option for travelers. It has unlimited miles rewards, top welcome bonus and no foreign transaction fees.
Credit Rating requirement: Good/Excellent
Rewards: unlimited 2X miles on every purchase, every day
Annual fee: $95
Intro apr:
- Purchases: N/A
- Balance Transfers: N/A
- ONGOING APR: 17.24% – 24.49% (Variable)
Welcome Bonus: one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Great for: unlimited miles rewards
Chase Sapphire Reserve®
Bottom line: This card comes fully-loaded with travel benefits, such as lounge access, annual credit for travel purchases, no foreign transaction fees and an excellent welcome bonus.
Credit Rating requirement: Good/Excellent
Rewards: 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. 3X points on other travel and dining and 1 point per $1 spent on all other purchases
Annual fee: $550
Intro apr:
- Purchases: N/A
- Balance Transfers: N/A
- ONGOING APR: 16.99%-23.99% Variable
Welcome Bonus: 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®
Great for: travel bonus
Blue Cash Preferred® Card from American Express
Bottom line: The highlights of this card go to the US supermarkets and US gas station rewards. Plus, it has a top welcome bonus and a nice 0% intro APR bonus for one year.
Credit Rating requirement: Good/Excellent
Rewards: 6% cash back at U.S. supermarkets ($6,000 spending cap per year), 3% cash back at U.S. gas stations and on transit, 1% back thereafter
Annual fee: $0 introductory annual fee for the first year, then $95.
Intro apr:
- Purchases: 0%, 12 months
- Balance Transfers: N/A
- ONGOING APR: 13.99%-23.99% Variable
Welcome Bonus: $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership
Great for: US supermarkets and US gas stations
Capital One SavorOne Cash Rewards Credit Card
Bottom line: With this card your dining and groceries spending yields unbelievable premium rewards. In addition, it offers a welcome bonus, no annual fee and 0% intro APR.
Credit Rating requirement: Good/Excellent
Rewards: 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
Annual fee: $0
Intro apr:
- Purchases: 0%, 15 months
- Balance Transfers: N/A
- ONGOING APR: 15.49% – 25.49% Variable
Welcome Bonus: $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Great for: dining rewards with no annual fee
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