There are so many credit cards available to choose from, and they all seem to have different perks. It can be overwhelming to try to compare credit cards to find the best one. GOBankingRates has rounded up 10 of the best rewards credit cards and compared their offers, deals and bonuses. Whether you’re looking for a big credit card signup bonus, great cash-back rewards or airline miles, you’ll likely find the best credit card for the way you spend.
Here are the 10 of the best rewards credit cards available:
- Discover it Card
- Barclaycard Arrival Plus World Elite Mastercard
- CapitalOne VentureOne
- Barclays Carnival World Mastercard
- CapitalOne Venture
- Blue Cash Preferred Card From American Express
- Barclays NFL Extra Points Credit Card
- Chase Disney Premier Visa Card
- Chase Sapphire Preferred Card
The Best Credit Card Offers, Deals and Bonuses
To help you better decide on the right credit card deal, check out details on the top offers.
Best for: Those who will stay on top of activating their cash-back categories
The Discover it card offers 5 percent cash back on purchases made within rotating categories of merchants that change each quarter. You have to activate your cash back for each quarter, and the reward is capped at $1,500 in purchases per quarter. Plus, Discover matches all the cash back you earn in your first year.
Best for: Frequent travelers who will use the card often to rack up the miles
The Barclaycard Arrival Plus World Elite Mastercard is a travel card that offers two miles per dollar spent on everything, plus 60,000 bonus miles when you spend $5,000 in the first 90 days. The $89 annual fee, which is waived the first year, is reasonable for high-end travel cards.
Related: Barclaycard Ring Mastercard Review
Best for: Travelers who don’t want to pay an annual fee
With the CapitalOne VentureOne Rewards card, you will earn 1.25 miles for every dollar you spend on this card, with no categories and no limits. You redeem the rewards as a statement credit toward travel purchases, so you don’t have to worry about blackout dates or limited seats. There’s no annual fee and a 0% APR for 12 months.
Best for: Those who cruise on Carnival
Frequent cruisers will want to look at the Barclays Carnival World Mastercard. You earn FunPoints on every purchase — two for every dollar spent on World’s Leading Cruise Lines purchases and one for every dollar spent on everything else. You also get 10,000 bonus FunPoints after your first purchase. FunPoints can be redeemed for a statement credit toward Carnival Cruise purchases.
Best for: Those who charge enough for the points to outweigh the annual fee.
Consumers looking for a card that rewards good credit should consider the Capital One Venture Rewards card, which offers two miles for every dollar spent on anything, with no limits, which is a higher level of rewards than the VentureOne card. The card does come with an annual fee of $95 after the first year, though, so consider your spending and travel habits before you choose which card is best for you.
Best for: Those who use the card for everyday purchases
The Blue Cash Preferred Card from American Express offers 6 percent cash back on purchases made at U.S. grocery stores, which is the highest percentage of cash back offered by any card in this roundup. The reward is capped at $6,000 in purchases — after that, the cashback reverts to 1 percent. You also earn 3 percent cash back on purchases at U.S. gas stations and some department stores, and 1 percent cash back on everything else. Cash-back rewards are redeemed as a statement credit.
Best for: Football fans
Football fans will want to look at the Barclays NFL Extra Points Credit Card, which gives you double points on NFL and team purchases. You can get special financing on ticket purchases and 20 percent off purchases at NFLShop.com.
Best for: Disney fans
If you buy a lot of Disney and Star Wars merchandise, this card can pay you some dividends. You get two percent in Disney Rewards Dollars on everything you buy at gas stations, grocery stores, restaurants and most Disney locations, and 1 percent on everything else. You can earn a $200 statement credit by spending just $500 in purchases in the first three months. Redeem your rewards dollars at Disney parks, stores, the cruise line and more.
Best for: Those who want to consolidate their travel points
Chase Sapphire Preferred gives you 50,000 points after you charge $4,000 worth of purchases in the first 90 days. There’s no annual fee in the first year, and it’s only $95 after that. This card pays double points on dining and travel and one point on all other purchases. You also get 25 percent more value for redeeming points for travel through Chase Ultimate Rewards, as well as point-for-point transfers from other frequent travel programs.
The Best Credit Card Offers At a Glance
Companies often use a sweet credit card promotion to entice you to get one of their cards, so take this into account when you compare cards. The following chart shows the best credit cards in each category along with the promotions you get as a new cardholder:
|10 Best Credit Card Offers, Deals and Bonuses|
|Credit Card||Annual Fee||Intro APR||Ongoing APR||How to Apply|
|Discover it Cash Back||$0||0% for 14 months||13.74% to 24.74%||Learn More|
|Barclaycard Arrival Plus World Elite Mastercard||$89||0% for 12 months||17.99%, 21.99% or 24.99%||Learn More|
|CapitalOne VentureOne||$0||0% for 12 months||13.74%, 19.74% or 23.74%||Learn More|
|Barclays Carnival World Mastercard||$0||N/A||15.99%, 20.99%, or 25.99%||Learn More|
|CapitalOne Venture||$0 for first year, then $95||N/A||14.74%, 21.24% or 24.74%||Learn More|
|Blue Cash Preferred Card From American Express||$95||0% for 12 months||14.74% to 25.74%||Learn More|
|Barclays NFL Extra Points Credit Card||$0||0% promotional APR for 6 months||16.99%, 21.99% or 26.99%||Learn More|
|Chase Disney Premier Visa Card||$49||n/a||17.74%||Learn More|
|Chase Sapphire Preferred Card||$95||n/a||17.74%-24.74%||Learn More|
|Information accurate as of Sept. 10, 2018.|
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GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by the companies included in the article. All fees and rates are subject to change at the issuers’ discretion, and some bonus offers might no longer be available on the issuers’ websites, depending on how you access the web page.