So many credit cards are 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 20 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 find the best credit cards for the way you spend.
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:
|20 Best Credit Card Offers, Deals and Bonuses|
|Credit Card||Best For||Annual Fee||Intro APR||Bonus Offer Details||How to Apply|
|Discover it||Cash back match||$0||0% for first 14 months||Dollar for dollar cash-back match at end of first year||Learn More|
|Bank of America BankAmericard||Forgetful folks||$0||0% for first 15 cycles||$0 balance transfer fee for the first 60 days, no penalty APR||Learn More|
|Capital One VentureOne Rewards||Bonus miles||$0||0% for first 12 months||20,000 bonus miles after spending $1,000 in first 90 days||Learn More|
|Bank of America Cash Rewards||Introductory cash rewards||$0||0% for first 12 first billing cycles||Cash rewards bonus after $500 in purchases in the first 90 days. Sixty-day $0 intro balance transfers
No penalty APR
|Capital One Venture Rewards||Miles per dollar spent||$0 first year; $95 after||N/A||50,000 bonus miles after $3,000 in purchases within 90 days||Learn More|
|Capital One Spark Cash Select for Business||Cash back for business||$0||0% for first 9 months||$200 cash-back bonus after $3,000 in purchases in first 90 days||Learn More|
|Capital One Spark Miles Select for Business||Miles for business||$0||0% for first 9 months||20,000 bonus miles after $3,000 in purchases in first 90 days||Learn More|
|Capital One Quicksilver Rewards||Unlimited cash back||$0||0% for first 9 months||$150 cash bonus after $500 in purchases in first 30 days 50% back on Spotify Premium with Quicksilver through April 2018||Learn More|
|American Express Blue Cash Preferred||Cash back on supermarket and gas||$95||0% for first 12 months||$200 back after $1,000 in purchases in first 90 days||Learn More|
|Chase Ink Cash Business Cash||Cash back on business products and services||$0||0% for first12 months||$300 bonus cash back after $3,000 in purchases first 90 days||Learn More|
|Citi Simplicity||Low intro APR||0||0% for first 21 months||Lowest intro APR for 21 months||Learn More|
|Capital One Savor Rewards||Cash back at restaurants||$0||0% for first 9 months||$150 cash bonus after $500 on purchases in first 90 days||Learn More|
|Chase Freedom Unlimited||Cash bonus||$0||0% for first 15 months||$150 bonus after $500 on purchases in first 90 days
$25 bonus for adding authorized user who uses card in same 90-day period
|Chase Disney Premier Visa||Disney fans||$49||N/A||$200 statement credit after $500 on purchases in the first 90 days||Learn More|
|Chase Sapphire Preferred||Points used for travel||$0 first year, then $95||N/A||50,000 bonus points after $4,000 in purchases in the first 90 days
25% more value when redeeming for travel
|Chase Sapphire Reserve||Travelers||$450||N/A||50,000 bonus points after $4,000 in purchases in the first 90 days||Learn More|
|Chase United MileagePlus Explorer||United Airlines miles||$0 first year, then $95||N/A||40,000 bonus miles after $2,000 in purchases in the first 90 days
5,000 bonus miles after adding first authorized user who makes first purchase within 90 days
|Chase Hyatt||Hyatt bonus points||$75||N/A||40,000 bonus points after you spend $2,000 on purchases in the first 3 months||Learn More|
|Citi Prestige Travel Rewards||Air travel credit||$450||N/A||Annual $250 air travel credit||Learn More|
|American Express Gold Delta SkyMiles||Delta Air Lines miles||$0 first year, then $95||N/A||50,000 bonus miles after $1,000 in purchases within the first 90 days
$50 statement credit after Delta purchase within the first 90 days
20 Best Credit Card Offers, Deals and Bonuses
So you can better decide on the credit card deal that’s right for you, check out details on the top offers available. Here are the 20 best credit card offers, deals and bonuses:
Discover it Card
The Discover it Card offers 5 percent cash back on purchases made at rotating categories of merchants that change each quarter. For example, from March to June, you might get 5 percent cash back at restaurants. From September to December, you might get 5 percent cash back at Amazon and warehouse clubs. You have to activate your cash back for each quarter, and the reward is capped at $1,500 in purchases per quarter.
Bank of America BankAmericard
BankAmericard does not offer cash back rewards or let you earn points, but it’s a good choice for people who want to transfer high-interest balances from another card. You pay 0% APR for the first 15 billing cycles for new purchases and any balances you transfer in the first 60 days. If you make a late payment, the bank won’t raise your interest rate.
Find Out: Tips to Avoid Credit Card Late Fees
Capital One VentureOne Rewards
Capital One VentureOne Rewards is a good rewards card for frequent travelers. 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. Rewards never expire. Plus, there are no foreign transaction fees.
Bank of America Cash Rewards
Bank of America Cash Rewards pays 3 percent cash back on gas purchases, 2 percent back on purchases made at grocery stores and wholesale clubs and 1 percent back on all other purchases. The extra cash back on gas, grocery and wholesale club purchases is limited to $2,500 in purchases per quarter. Earn a 10 percent bonus for redeeming your rewards by transferring them into your Bank of America checking or savings account.
Capital One Venture Rewards
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, plus a higher level of rewards than the VentureOne Rewards 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.
Capital One Spark Cash Select for Business
Capital One Spark Cash Select for Business offers 1.5 percent cash back on all purchases, with no limit. You can get additional cards for employees and get the extra 1.5 percent cash back on their purchases as well, making it a good way to save on everything you purchase for your business.
Capital One Spark Miles Select for Business
Anyone who runs a business that requires a lot of travel should consider this card. You will earn 1.5 miles for every dollar you spend on the card, with no limit. With no blackouts and no seat restrictions, you can use your points for any flight you wish. You can get additional cards for employees who need to charge business expenses and earn miles on their purchases as well.
Capital One Quicksilver Rewards
Capital One Quicksilver Rewards is a straightforward card with good rewards. You get 1.5 percent cash back on every purchase, with no limits and no categories to remember or activate. You can redeem your rewards for a statement credit. Rewards do not count toward your minimum monthly payment, so pay at least the minimum due each month in addition to any rewards redeemed.
American Express Blue Cash Preferred Card
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 cash back 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.
Chase Ink Business Cash Credit Card
The Chase Ink Business Cash card has lots of perks for the business owner. You get 5 percent cash back on purchases at office supply stores and on internet, cable TV and phone service, up to a generous $25,000 in purchases each year. You also get 2 percent cash back at gas stations and restaurants, up to $25,000 in purchases per year, so all those road trips and client dinners can really pay off. All other purchases earn 1 percent, and your cash-back rewards never expire as long as your account is open.
Citi Simplicity Card
The aptly named Simplicity card doesn’t offer cash-back rewards, but it has the longest 0 interest introductory rate of any card in the roundup. It also has no late fees, no annual fee and no interest rate penalty for late payments — and it offers the benefits all Citi card members enjoy, like a best price guarantee, identity-theft solutions and travel protection.
Capital One Savor Rewards Card
Foodies will appreciate this card for the generous cash-back offers, whether you cook at home or eat out. You’ll get 3 percent cash back on dining purchases, 2 percent cash back on groceries and 1 percent cash back on everything else, with no limits on the amount of cash back you can earn. Your rewards never expire as long as your account is open. Capital One also offers identity-theft services, price protection, travel assistance and more.
Chase Freedom Unlimited Card
The Chase Freedom Unlimited card provides a straightforward 1.5 percent cash back on all purchases, so there’s no need to keep track of which card you should use at which store. You also get $100 in cash back when you refer a friend who gets a Freedom Unlimited card. You can refer up to five friends per year, adding a cool $500 to your cash-back earnings each year.
Chase Disney Premier Visa Card
The Chase Disney Premier Visa rewards fans with a host of benefits you can’t get anywhere else. You get 2 percent in Disney Rewards Dollars on purchases you make at gas stations, restaurants, grocery stores and most Disney locations. You save 10 percent on select Star Wars and Disney purchases at Disney.com and Disney stores. When you visit Walt Disney World or Disneyland resorts, you can get special character photo opportunities that are exclusive to card members.
Chase Sapphire Reserve
One of the most high-end travel credit cards, this one is for serious travelers who rack up enough travel expenses to offset the $450 annual fee. You’ll get three points per dollar spent on airlines, hotels and dining, plus one point per dollar spent on everything else. When you redeem your points for travel using Chase Ultimate Rewards, you get a 50 percent bonus. So 100,000 points would be worth $1,500 toward travel. You can also earn 10,000 points for each friend you refer, up to five friends per year, and receive a $300 annual credit for travel charged to your card.
Chase Sapphire Preferred
Like the Chase Sapphire Reserve card, Chase Sapphire Preferred gives you 50,000 points after you charge $4,000 worth of purchases in the first 90 days. But 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, and you get 25 percent more value for redeeming points for travel through Chase Ultimate Rewards. You also get point-for-point transfers from other frequent travel programs.
United MileagePlus Explorer Card
One of the best airline credit cards, the United MileagePlus offers a host of perks to travelers who like to fly United. Get two miles per dollar spent on tickets purchased from United and one point per dollar spent on everything else. United fliers also get one free checked bag each for themselves and a companion, plus priority boarding on United flights.
Chase Hyatt Credit Card
The Chase Hyatt credit card offers extra points for those who prefer to stay at Hyatt hotels on their travels. You get three points per dollar spent at Hyatt hotels and resorts, two points per dollar spent at restaurants and on airline tickets purchased directly from the airline, and one point per dollar everywhere else. Free nights at Hyatt properties start as low as 5,000 points. You can get more bang from your Hyatt card by pairing its rewards with rewards from your Hyatt Gold Passport membership.
Citi Prestige Travel Rewards Credit Card
Citi Prestige is a high-end travel credit card that provides many benefits to frequent travelers, including three points per dollar spent on air travel and hotels, two points per dollar spent on dining and entertainment and one point per dollar spent on everything else. The $450 annual fee is offset by a $250 annual air travel credit. You also get access to select airport VIP lounges and a fourth night hotel stay free when you book through ThankYou.com or the Citi Prestige Concierge.
American Express Gold Delta SkyMiles Credit Card
An ideal option for travelers who frequently fly on Delta Airlines, this card offers two miles per dollar spent on flights booked directly through Delta.com, Sky Club memberships and Delta Vacations packages. You get one mile per dollar on all other purchases. There’s no limit to the number of miles you can earn, and miles can be redeemed for travel on Delta and other airline partners.
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’s 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.
Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by American Express.
Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been endorsed by American Express.
Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.