Best Rewards Credit Cards

Find the right rewards credit card to match your lifestyle.

If you use credit cards often then you should take advantage of credit cards that offer the best rewards. You can choose a card that will enable you to earn everything from free flights, hotel rewards — or even cash you can put back in your pocket Whatever rewards you choose, you’ll reap credit card benefits for purchases you were going to make anyway.

For help choosing the best credit cards for you, review GOBankingRates’ top picks so you can compare credit cards. With so many great rewards cards on the market, it’s easier than ever to compare credit card rewards and make sure your credit card is best for you.

Capital One VentureOne Rewards Card

Topping the charts of the best rewards credit cards, the Capital One VentureOne Rewards Card offers new cardholders a bonus of 20,000 miles after spending $1,000 within the first three months. The card never charges an annual fee and currently has a 12-month 0% APR on new purchases.

Annual fee: $0

APR: Introductory 0% APR for 12 months, then 13.74%-23.74% APR

Rewards:

  • Unlimited 1.25 miles on every purchase, every day

Pros: Promotional 0% APR, no annual fee, 1.25 miles on every purchase without having to choose categories for spending

Cons: High APR after the first year, low sign-up bonus

Read: Best Credit Cards for People With Good Credit

Discover it Cash Back Card

One of the best rewards credit cards, the Discover it Card offers 5 percent cash back on categories that rotate quarterly, including grocery, gas, restaurant and Amazon purchases, plus an unlimited dollar-for-dollar match on your cash back rewards for the first year. If you lose your card, you can instantly freeze your account.

Annual fee: $0

APR: Introductory 0% APR for 14 months, then 13.74%-24.74% APR

Rewards:

  • 5 percent cash back up to quarterly maximum
  • 1 percent cash back on all other purchases
  • Your first year’s cash back rewards are matched with no limit

Pros: Free FICO score, protection from unauthorized purchases

Cons: 3 percent fee for balance transfers

Find Out: Best 0% APR Credit Cards

NHL Discover it Card

Just like its sister card, the NHL Discover it Card is a cash back card that matches your cash back earnings for the first year. Hockey fans will appreciate the 10 percent discount on merchandise, plus 5 percent cash back on everything from gas to groceries to Amazon purchases on a rotating quarterly basis. You can also freeze your account if you lose or misplace your card.

Annual fee: $0

APR: Introductory 0% APR offer for 14 months, then 13.74%-24.74% APR

Rewards:

  • 5 percent cash back up on certain categories up to quarterly maximum
  • 1 percent cash back on all other purchases
  • 10 percent off on purchases from Shop.NHL.com
  • 10 percent off on an NHL.TV subscription

Pros: Free FICO score and Social Security number alerts

Cons: 3 percent charge for balance transfers

Wells Fargo Propel American Express Card

The Wells Fargo Propel American Express Card offers new cardholders 30,000 bonus points after $3,000 in purchases made within in the first three months after acquiring the card. The card earns triple points in numerous categories, making it one of the top credit cards.

Annual fee: $0

APR: 0% APR for 12 months, then 14.24%-26.74% APR

Rewards:

  • 3 points on flights, hotels, car rentals, dining, gas stations, ride shares and eligible streaming services
  • 1 point on all other purchases

Pros: Cell phone protection, no annual fee, introductory APR offer, no foreign currency conversion fee, 0% APR on balance transfers for 12 months

Cons: High APR for cash advances, high balance transfer fee after 12 months, $37 late payment fee

See: Best ‘No Annual Fee’ Credit Cards

Blue Cash Everyday Card From American Express

The Blue Cash Everyday Card provides one of the best cash back credit card deals: Spend $1,000 during the first three months and you’ll get $200 cash back. You can also accelerate your cash back earnings by adding cards for friends and family members. Fraud protection, online access to account information and year-end summaries add to the card’s value.

Annual fee: $0

APR: Introductory 0% APR for 15 months, then 14.74%-25.74% APR

Rewards:

  • 3 percent cash back at supermarkets
  • 2 percent cash back at gas stations and select department stores
  • 1 percent cash back on other purchases
  • $200 cash back after spending $1,000 within the first three months

Pros: Extended warranties on purchases, roadside assistance with emergency towing

Cons: $6,000 cap on grocery purchases for the 3 percent cash back offer

To Consolidate: 10 Best Balance-Transfer Credit Cards

Premier Rewards Gold Card From American Express

With the Premier Rewards Gold Card, new cardholders can earn a bonus of 50,000 points after spending $2,000 within the first three months. You can redeem your points for gift cards, merchandise or dining and entertainment through the Membership Rewards portal, one of the best credit card rewards programs.

Annual fee: $0 the first year, then $195

APR: No APR, must pay the balance in full each month

Rewards:

  • 3 points for every dollar spent on flights booked directly with airlines
  • 2 points for every dollar spent at U.S. gas stations, supermarkets and restaurants
  • 1 point for every dollar spent on other purchases
  • $100 airline fee credit per calendar year

Pros: No foreign transaction fees, car rental loss and damage insurance, premium roadside assistance

Cons: High annual fee after the first year, late payment fees of up to $38

Related: American Express Platinum Review — Is It Worth It?

Discover it Chrome Gas & Restaurants Card

The Discover it Chrome Gas & Restaurants Card lets you redeem your cash back rewards for any amount at any time. You’ll never be held liable for unauthorized purchases and you can freeze your account if you lose your card or if it’s stolen. One of the biggest perks is Discover’s dollar-for-dollar match on all your cash back rewards earnings during your first year.

Annual fee: $0

APR: Introductory 0% APR for 14 months, then 13.74%-24.74%

Rewards:

  • Dollar-for-dollar match on all cash back you earn for the first year
  • 2 percent cash back in two of the most popular spending categories, gas stations and restaurants
  • 1 percent cash back for other purchases

Pros: Free FICO score, protection from unauthorized purchases

Cons: 3 percent fee for balance transfers, 2 percent cash back reward limited to $1,000 in gas and restaurant spending per quarter

Related: Best New Credit Cards — Compare the Best Offers and Rewards

TD Cash Visa Credit Card

You can earn 20,000 bonus credit card points with this card, redeemable for $200 if you spend $500 in total purchases within 90 days. You can easily keep track of your spending and accrued points with TD’s online banking system, and your card will come with built-in chip technology and Visa’s Zero Liability policy.

Annual fee: $0

APR: 14.74%, 19.74% or 24.74% APR, based on creditworthiness

Rewards:

  • 3 percent cash back on dining
  • 2 percent cash back on groceries
  • 1 percent cash back on other purchases

Pros: No foreign transaction fees, introductory 0% APR on balance transfers for the first 12 months

Cons: Balance transfer fee is the greater of $5 or 3 percent of transfer amount after promotional period ends

Learn: How I Use Travel Points to Book (Almost) Free Flights

Bank of America Cash Rewards Credit Card

If you have a Bank of America savings or checking account, you’ll get a 10 percent bonus when you redeem your cash back into one of them, and Bank of America Preferred Rewards clients will get a bonus increase of at least 25 percent. All cardholders are eligible to earn a cash rewards bonus of $200 after spending at least $500 within the first 90 days, which is one of the highest credit card offers.

Annual fee: $0

APR: Introductory 0% APR for 12 months, then 14.99%-24.99%

Rewards:

  • Cash back on the first $2,500 in grocery, wholesale club and gas purchases each quarter
  • 3 percent cash back on gas
  • 2 percent cash back at grocery stores and wholesale clubs
  • 1 percent cash back on other purchases

Pros: Bank of America checking or savings account holders with Preferred Rewards status eligible for a 25-75 percent rewards bonus

Cons: 3 percent fee for balance transfers and foreign transactions, 29.99 percent penalty APR

Comerica Premier Rewards American Express Card

The Comerica Premier Rewards American Express Card offers 10,000 bonus reward points after spending $1,000 in the first three months after getting the card, worth $100 cash back. The card is focused on providing travel and lifestyle benefits, highlighted by the bonus rewards categories of restaurants, airlines and gas.

Annual fee: $0 first year, then $99

APR: 15.74%-24.74% APR

Rewards:

  • 4 points for every dollar spent on eligible net restaurant purchases
  • 3 points for every dollar spent on eligible net airline purchases
  • 2 points for every dollar spent on eligible net gas purchases
  • 1 point for every dollar spent on all other net eligible purchases

Pros: No foreign transaction fees, zero fraud liability, rental car insurance

Cons: No introductory APR rate, annual fee after first year

Learn: How I Used My Credit Card Rewards to Get a Kitchen Upgrade

Best Rewards Credit Cards of 2018
Credit CardAnnual FeePurchases APRRewards
Capital One VentureOne Rewards Credit Card$013.74%-23.74%
  • Earn unlimited 1.25 miles per dollar on every purchase, every day
Discover it Cash Back Card$013.74%-24.74%
  • 5% cash back at places like gas stations, wholesale clubs, grocery stores, restaurants or Amazon, up to the quarterly maximum
  • Earn 1% cash back on all other purchases
NHL Discover it Card$013.74%-24.74%
  • Earn 5% cash back at different places each quarter like gas stations, wholesale clubs, grocery stores, restaurants or Amazon, up to the quarterly maximum each time you activate
  • Earn 1% unlimited cash back on all other purchases
Wells Fargo Propel American Express Card$014.24%-26.74%
  • Earn 3x points on flights, hotels, car rentals, dining, gas stations, ride shares and eligible streaming services
  • Earn 1x points on all other purchases
Blue Cash Everyday Card from American Express$014.74%-25.74%
  • 3% cash back at U.S. supermarkets
  • 2% cash back at U.S. gas stations
  • 2% cash back at select U.S. department stores
  • 1% cash back on all other purchases
Premier Rewards Gold Card from American Express$0 first year, then $195N/A, pay balance in full every month
  • Earn 3x points for flights booked directly with airlines
  • Earn 2x points at U.S. gas stations, supermarkets, restaurants
Discover it Chrome Gas & Restaurants Card$013.74%-24.74%
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter
  • 1% cash back on all other purchases
TD Cash Visa Credit Card$014.74%, 19.74% or 24.74%
  • 3% cash back on dining
  • 2% cash back at grocery stores
  • 1% cash back on other purchases
Bank of America Cash Rewards Credit Card$014.99%-24.99%
  • 1% cash back on every purchase
  • 2% at grocery stores and wholesale clubs
  • 3% on gas; on up to $2,500 in grocery, wholesale club, gas quarterly spendings
Comerica Premier Rewards American Express$0 first year, then $9915.74%-24.74%
  • Earn 4 points for every $1 spent on eligible net restaurant purchases
  • Earn 3 points for every $1 spent on eligible net airline purchases
  • Earn 2 points for every $1 spent on eligible net gas purchases
  • Earn 1 point for every $1 spent on all other eligible net purchases
Information accurate as of Sept. 10, 2018. 

Click to find out how to choose the right rewards credit card for your lifestyle.

More on Credit Cards

Methodology: GOBankingRates.com identified the best rewards credit cards by analyzing annual fees, APRs, sign-up bonuses, rewards and features. All fees and rates are subject to change at the credit card issuers’ discretion. Some bonus offers may or might no longer be available on the credit card issuers’ websites, depending on how one accesses the web page.

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.

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.