10 Best Rewards Credit Cards for 2023

Rewards credit cards allow you to earn cash back, points or miles on your everyday expenses, meaning they’re a great way to make the most of those purchases. It’s important to understand which type of reward is best for you, depending on how you use your credit cards and what you use them on.

CardCritics, GOBankingRates’ resident credit card experts, identified the best rewards credit cards by compiling and extensively analyzing data on all of the major credit cards available, then rating them on a 5-star rating system. The comparison factors include annual fees, APRs, sign-up bonuses, ongoing rewards, accessibility, redemption options, and more. These factors were then weighted by importance to focus on key features that are most important in each specific category.

Unlimited rewards on 5%/3% categories

Chase Freedom Unlimited®

5

/5

Score

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Why we like it

The Chase Freedom Unlimited Card excels when it comes to cash back, with a generous rate and no hassle of dealing with revolving categories, deadlines, or activating offers. The unlimited rewards are 5% for travel purchases through Chase Ultimate Rewards, 3% for dining and drugstores, and 1.5% on all other purchases. There’s no minimum redemption amount and the rewards points don’t expire. You can redeem them for cash back, gift cards, or travel through the Ultimate Rewards website. Plus, you can earn a $200 cash bonus after spending $500 in the first three months, and for a limited time you will earn 5% back on grocery store purchases on up to $12,000 spent in the first year (excluding Target and Walmart). All of this from a card with no annual fee.

Purchase APR

Annual Fee

Welcome Bonus

Balance Transfer APR

0% intro on balance transfers for 15 months, then

Recommended Credit Score

Excellent/Good
670- 850*

Cash Back

Unlimited 1.5% cash back or more on all purchases, like 3% on dining and drugstores and 5% on travel purchased through Chase.

Benefits

  • Strong and straightforward rewards rate
  • Generous welcome bonus

Pros & Cons

Welcome bonus

No annual fee

Intro APR for purchases and balance transfers

Requires good to excellent credit

Key Features

  • Free Credit Score and Identity Restoration with Credit Journey
  • Trip Cancellation/Interruption Insurance

Well-rounded benefits

American Express Blue Cash Preferred®

4.8

/5

Score

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Why we like it

The American Express Blue Cash Preferred Card offers impressive, well-rounded benefits. For starters, there are incredible cash back rates on groceries, streaming services, gas and transit expenses. You’ll earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% back on US streaming subscriptions, 3% back as U.S. gas stations and on transit and 1% on all else. This card has an annual fee of $95 (waived the first year), but you only need to spend $30.44 on groceries a week for your cash back earned to surpass the cost of the annual fee. There’s also a cash back welcome offer: You earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months.

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Purchase APR

Annual Fee

Welcome Bonus

Balance Transfer APR

0% intro APR on balance transfers for 12 months, then

Recommended Credit Score

Excellent/Good
670- 850*

Cash Back

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations and on transit, 1% on other purchases

Benefits

  • Exceptional cash back potential
  • Generous welcome offer

Pros & Cons

Robust rewards for grocery and streaming purchases

Welcome offer

Intro APR for the first year

There’s a $95 annual fee (waived your first year)

Key Features

  • $7/month back on The Disney Bundle after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card
  • 3% cash back at U.S. gas stations and on transit

Straightforward flat rate on rewards

4.5

/5

Score

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Why we like it

The Capital One VentureOne Rewards Card offers a straightforward flat rate on all purchases with 1.25X miles on every purchase and an elevated 5X rate on hotels and rental cars booked through Capital One Travel. There’s also a one-time bonus of 20,000 miles once you spend $500 on purchases within three months from account opening, which equals $200 in travel. Your rewards won’t expire and you can redeem them as a statement credit to cover travel purchases. The card offers a 0% intro APR on purchases and balance transfers for 15 months; APR after that; 3% fee on the amounts transferred within the first 15 months. There is no annual fee or foreign transaction fees for the card.

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Purchase APR

Annual Fee

Welcome Bonus

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Balance Transfer APR

0% intro APR on balance transfers for 15 months, then

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

Earn unlimited 1.25X miles on every purchase and 5X miles on hotels and rental cars booked through Capital One Travel

Benefits

  • Solid rewards rates, especially if you book through Capital One Travel
  • Generous welcome offer

Pros & Cons

Welcome bonus

No annual fee

Intro APR for the first 15 months

Missing some travel perks

Key Features

  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Members can transfer miles to more than 15 partner rewards programs

3X Rewards on popular categories plus a bonus

4.5

/5

Score

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Why we like it

The Wells Fargo Autograph Card has a massive welcome bonus that’s one of the biggest we’ve seen on a card that doesn’t have an annual fee. For a limited time through 1/10/23, new card members can earn the 30,000-point ($300 cash redemption value) welcome bonus after spending $1,500 in the first three months. You can also earn unlimited 3X points on popular categories like restaurants, travel, gas stations, transit, popular streaming services and phone plans, making it an excellent pick for those who spend regularly in those categories. Plus, you’ll earn 1X on your other purchases and there’s a generous 0% introductory offer on purchases for 12 months, then a will apply.

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Purchase APR

Annual Fee

Welcome Bonus

Balance Transfer APR

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

Benefits

  • Large welcome bonus from a card that does not charge an annual fee
  • No caps on the 3X bonus categories

Pros & Cons

No annual fee

Generous bonus offer

High rewards on popular categories

No intro APR offer on balance transfers

Key Features

  • $600 cell phone protection option (subject to $25 deductible)
  • You can redeem your rewards points for travel, gift cards, or statement credits

3% cash back on dining, entertaining, and groceries

Capital One SavorOne Rewards

4.8

/5

Score

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Why we like it

The Capital One SavorOne Rewards Card is a strong option for those who spend regularly on dining, entertainment, streaming services and groceries because you can earn an unlimited 3% cash back on those categories. You can also earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel and earn 10% cash back on purchases with Uber and Uber Eats. Plus, enjoy complimentary Uber One membership statement credits through 11/14/2024. You’ll earn 1% cash back on all other purchases. There’s no annual fee for the SavorOne Rewards Card. The card offers a 0% intro APR on purchases and balance transfers for 15 months; APR after that; a 3% fee applies on the amounts transferred within the first 15 months. Finally, there is a cash back welcome offer of $200 when you spend $500 on purchases within the first three months.

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Purchase APR

Annual Fee

Welcome Bonus

Balance Transfer APR

0% intro APR on balance transfers for 15 months, then

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

10% cash back on purchases with Uber and Uber Eats, 8% cash back on Capital One Entertainment purchases, 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), 1% on all other purchases

Benefits

  • Strong rewards rates
  • Generous welcome offer

Pros & Cons

Welcome bonus

No annual fee

Intro APR for the first 15 months

Requires good to excellent credit

Key Features

  • No rotating categories or sign-ups needed to earn cash rewards
  • 10% cash back on purchases with Uber and Uber Eats. Plus, complimentary Uber One membership statement credits through November 14, 2024

Flexibility on rewards categories

Chase Freedom Flex

4.7

/5

Score

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Why we like it

The Chase Freedom Flex Card has plenty of flexibility when it comes to earning cash back rewards, where you can boost your earnings by monitoring and activating bonus categories every quarter. The standard rewards of 5% for travel purchased through Chase Ultimate Rewards, 3% for dining and drugstore purchases, and 1% on all other purchases are excellent. You can redeem your rewards for cash back, gift cards, or travel through the Ultimate Rewards website and your rewards will never expire. Plus, you can earn a $200 cash bonus after spending $500 in the first three months, and for a limited time you will earn 5% back on grocery store purchases on up to $12,000 spent in the first year (excluding Target and Walmart). The Chase Freedom Flex has no annual fee.

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Purchase APR

Annual Fee

Welcome Bonus

Balance Transfer APR

0% intro APR on balance transfers for 15 months, then

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

5% on up to $1,500 in combined purchases in bonus categories like gas stations, grocery stores & select online merchants, each quarter you activate. 5% on travel purchased through Chase Ultimate Reawrds, 3% on drugstore purchases

Benefits

  • Strong rewards potential without annual fee
  • Generous welcome bonus

Pros & Cons

Welcome bonus

No annual fee

Intro APR for purchases and balance transfers

Revolving rewards categories must be activated before the deadline to earn 5% cash back

Key Features

  • Free Credit Score and Identity Restoration with Credit Journey
  • Trip Cancellation/Interruption Insurancesame page link to benefits reference

Great for rewards on dining out

U.S. Bank Altitude® Go Visa Signature®

4.7

/5

Score

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Why we like it

The U.S. Bank Altitude Go Visa Signature Card is a great option for those who dine out a lot and don’t want to pay an annual fee. As an intro offer, you can earn 20,000 bonus points after spending $1,000 within the first 90 days of account opening. That’s a $200 value redeemable toward merchandise, gift cards, cash back, and travel. For rewards, you earn 4X points on dining, takeout and delivery, as well as 2X points at grocery stores, gas stations and EV charging stations and on streaming services. Plus, there’s a $15 credit for annual streaming service purchases and 0% intro APR for 12 billing cycles, then an APR of applies.

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Purchase APR

Annual Fee

Welcome Bonus

Balance Transfer APR

0% intro APR on balance transfers for 12 billing cycles, then

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

4X points on dining, takeout and restaurant delivery. 2X points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations. 1X point on other eligible purchases.

Benefits

  • Excellent rewards rate for dining out
  • Generous welcome offer

Pros & Cons

No annual fee

0% intro APR for 12 billing cycles

$15 credit for annual streaming service purchases

You can find better rewards in certain categories

Key Features

  • Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay Plan
  • State-of-the-art security features

No-hassle rewards approach

Regions Prestige Visa Signature

Regions Prestige Visa Signature

4.7

/5

Score

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Regions Prestige Visa Signature

Why we like it

The Regions Prestige Visa Signature Card is a solid all-around rewards card with a no-hassle approach to rewards. Cardholders earn rewards on all purchases, with premium rewards in dining and entertainment (3X), plus gas and groceries (2X). The card has no earnings cap or annual fee. You can earn 10,000 bonus points (worth $100 in cash) when you spend at least $500 within the first 90 days . Once you spend at least $1,000, you’ll earn an additional 10,000 bonus points. The card also offers 0% intro APR on purchases and balance transfers for 12 months, then it’s .

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Purchase APR

0% intro APR on purchases for 12 months, then

Annual Fee

$0

Welcome Bonus

Earn 10,000 bonus points when your net purchases made in the first 90 days total $500 or more. When those net purchases total at least $1,000, you’ll earn an additional 10,000 bonus points.

Balance Transfer APR

0% intro APR on balance transfers for 12 months, then

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

3X points on dining and entertainment. 2X points on gas and groceries. 1X points on all other purchases.

Benefits

  • Solid rewards rates in popular categories
  • Generous welcome offer

Pros & Cons

Generous bonuder offer

No annual fee

No earning cap on rewards

Top-earning rewards category is lower than some others

Key Features

  • Visa Zero Liability protection against unauthorized use
  • State-of-the-art security features

Annual fee waived the first year

4.5

/5

Score

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Why we like it

The U.S. Bank Altitude Connect Visa Signature Card combines generous travel perks and rewards with a welcome offer. There is a $95 annual fee, but it’s waived for the first year. For the welcome offer, you can earn 50,000 bonus points when you spend $2,000 in the first 120 days, worth $500 redeemable toward merchandise, gift cards, cash back, travel and more. You can earn 5X points on prepaid hotels and car rentals booked with the Altitude Rewards Center. Plus, 4X points on travel, at gas stations and EV charging stations and 2X points at grocery stores and on dining and streaming services. There are no foreign transaction fees and a $30 credit for annual streaming service purchases.

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Purchase APR

Annual Fee

Welcome Bonus

Balance Transfer APR

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

5X points on prepaid hotels and car rentals booked with the Altitude Rewards Center. 4X points on travel, at gas stations and EV charging stations. 2X points at grocery stores, grocery delivery, dining and streaming services. 1X point on all other purchases.

Benefits

  • Solid rewards rates, especially if you book through the Altitude Rewards Center
  • Generous welcome offer

Pros & Cons

Generous bonus offer

High rewards on popular categories

No foreign transaction fees

There’s a $95 annual fee

Key Features

  • Up to $100 as a statement credit for Global Entry, TSA PreCheck® or NEXUS every 4 years
  • $30 credit for annual streaming service purchases

Strong perks and rewards on dining out

4.7

/5

Score

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Why we like it

The Citi Rewards+ Card is a solid rewards card option with plenty of perks and a great rewards rate on dining out. For a limited time, you can earn 5 points per $1 spent at restaurants, up to $6,000, in the first 12 months of account opening (then 1 point per $1). Supermarket and gas station purchases will earn you 2 points per $1 spent, on up to $6,000 each year (then 1 point per $1). Plus, all purchases are rounded up to the nearest 10 rewards points and you receive 10% points back on redeeming the first 100,000 points. As a welcome bonus, you can earn 20,000 bonus points after spending $1,500 within the first 3 months of account opening and you’ll get a 0% Intro APR for 15 months on purchases and balance transfers, then based on creditworthiness.

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Purchase APR

Annual Fee

Welcome Bonus

Balance Transfer APR

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months, 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year, 1X ThankYou® Points on all other purchases

Benefits

  • Great rewards rate
  • Generous welcome offer

Pros & Cons

Generous bonus offer

No annual fee

Receive 10% points back on redeeming the first 100,000 points

Foreign transaction fees

Key Features

  • Rounds up to the nearest 10 points for every purchase
  • Get special access to purchase tickets through Citi Entertainment
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