Best Rewards Credit Cards of 2020

Take advantage of miles, points and perks with a card that best fits your lifestyle.

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A rewards card can unlock savings on your spending in the form of cash back, miles, points and exciting travel perks. The strongest rewards go to stronger credit, but even a good score can land you a top card that fits your lifestyle and everyday spending. Narrow down the best for you with our rewards guides, expert reviews and strategies to getting the most out of your new card.

Best rewards credit cards

Below are the top rewards cards in the industry that have stellar features such as high rewards earning rates, common spending categories, and no fees. If you’re still unsure which card to pick, compare cards using the helpful table below.

Quick look: Top rewards credit cards

Best for earning airline rewards
The Platinum Card® from American Express

670
Min. credit score
$550
Annual fee
Up to 5x
Points
60,000
Points welcome offer
This card lets you earn one of the highest rewards rate on airfare, plus you get an annual airline fee credit and access to more than 1,200 airport lounges worldwide.

Pros
  • Membership reward points. Earn 5x points on flights and prepaid hotels booked directly through Amex Travel. You can use your points toward gift cards, travel rewards, statement credit and more. If you redeem these points for the highest valued rewards, you'll get 5% back. On all other eligible purchases, you'll earn 1x points.
  • Welcome offer. Get 60,000 membership rewards points after you spend $5,000 on purchases in the first 3 months of card membership. That's up to $1,200 worth of rewards when transferred to travel partners.
  • Airline fee credit. Select a qualifying airline and receive a $200 airline fee credit each year to cover incidental charges, such as checked bags or in-flight purchases.
Cons
  • Annual fee. Expect to pay $550 for the card. This may seem like a lot, but if you travel often, you can easily offset the fee.
Annual fee $550
Purchase APR N/A
Balance transfer APR N/A
Welcome offer 60,000 points after spending $5,000 in your first 3 months
Rewards 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases

Compare premium credit cards

Best for flat-rate cash back
Citi® Double Cash Card

670
Min. credit score
$0
Annual fee
n/a
Welcome offer
Up to 2%
Cash back
The Citi® Double Cash Card lets you earn a better cashback rate on all of your purchases than you'll find with other no-annual-fee, cashback cards. Plus you get a long intro APR period on balance transfers.

Pros
  • Earn cash back. Earn cash back twice on everything you buy — 1% when you make the purchase and 1% when you pay your balance. Similar cards let you earn 1.5% back. That's up to a $100 difference if you spend $20,000 a year with your card.
  • Intro APR on balance transfers. Enjoy 18 months of a 0% intro APR period for balance transfers. Compared to similar cards, this is one of the longest intro periods you can get. After that, a variable APR of 13.99% to 23.99% applies.
  • Citi Entertainment℠. Get special access when buying presale tickets or VIP packages for concerts, sports events, dining and more.
Cons
  • Foreign transaction fee. All purchases made abroad or online with foreign merchants cost 3% of the amount.
Annual fee $0
Purchase APR 13.99% to 23.99% variable
Foreign transaction fee 3% of the transaction value
Welcome offer N/A
Rewards Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)

Compare the best everyday credit cards

Best hotel credit card
IHG® Rewards Club Premier Credit Card

670
Min. credit score
$89
Annual fee
140,000
Points welcome offer
Up to 25x
Points
This is by far the most rewarding hotel credit card where you get to earn a generous signup bonus and a massive rewards rate at IHG hotels. In addition, you get an anniversary free night and a fourth reward night free.

Pros
  • Signup bonus. Earn 140,000 bonus points once you spend $3,000 in your first 3 months of account opening. Most credit cards that offer such generous signup bonuses usually require a higher spend of around $4,000 in the first three months.
  • Earn points. Earn 25x points on IHG stays, 2x points at gas stations, grocery stores and restaurants and 1x points on everything else you buy.
  • Fourth reward night free. Redeem your points for four or more reward nights and get an additional reward night.
Cons
  • Annual fee. To use the card and its perks, you'll pay $89 each year.
Annual fee $89
Purchase APR 15.99% to 22.99% variable
Foreign transaction fee None
Welcome offer 140,000 points after spending $3,000 in the first 3 months
Rewards 25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases

Compare 1.5% cashback credit cards

Best for dining and entertainment
Capital One® Savor® Cash Rewards Credit Card

670
Min. credit score
$95 ongoing
Annual fee
$300
Welcome offer
Up to 4%
Cash back
With this card, you get to earn one of the highest rewards rates on dining and entertainment purchases without paying a high annual fee.

Pros
  • Cash back. Earn 4% back on dining and entertainment, and 2% back at grocery stores. Purchases made on sporting tickets at Vivid Seats earn 8% cash back until May 2020. All other purchases earn 1% cash back.
  • Signup bonus. Earn $300 bonus cash once you spend $3,000 in your first 3 months when you opened your account.
  • High minimum credit line. Your credit line depends on multiple factors, but with this card you won't get a lower credit line than $5,000.
Cons
  • Annual fee. For the first year, you won't pay an annual fee. But starting from the second year, expect to pay $95 annually to own the card.
Annual fee $0 intro annual fee for the first year ($95 thereafter)
Purchase APR 15.99% or 24.99% variable
Foreign transaction fee None
Welcome offer $300 after spending $3,000 in the first 3 months
Rewards 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases

Compare more credit cards for travel

Best for groceries and streaming services
Blue Cash Preferred® Card from American Express

670
Min. credit score
$95
Annual fee
$250
Welcome offer
Up to 6%
Cash back
This card comes with one of the highest rewards rates on groceries and streaming services. You also get to earn accelerated rewards at US gas stations and on transit purchases.

Pros
  • Earn cash back. Earn 6% cash back at US supermarkets on up to $6,000 per year. After that, you'll earn 1% back. You'll also earn 6% on select US streaming services and 3% on transit purchases. At US gas stations you'll earn 3% back. For everything else you buy, you'll get 1% back.
  • Welcome offer. Get $250 in statement credit after spending $1,000 on purchases in the first three months of card membership.
  • Intro APR period. Enjoy a 0% intro APR period on balance transfers and purchases for the first 12 months of account opening. After that, a variable APR of 12.99% to 23.99% applies.
Cons
  • Annual fee. You'll pay $95 annually to enjoy the card and its perks.
Annual fee $95
Purchase APR 0% intro for the first 12 months (then 12.99% to 23.99% variable)
Foreign transaction fee 2.7% of the transaction value
Welcome offer $250 after spending $1,000 in the first 3 months
Rewards 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases

Compare more hotel credit cards

Best for sign up bonus
Chase Sapphire Preferred® Card

670
Min. credit score
$95
Annual fee
60,000
Points welcome offer
Up to 5x
Points
With a signup bonus worth up to $750 in redemption value, the Chase Sapphire Preferred® Card is worth considering. Also, you get to earn accelerated points on travel and dining purchases.

Pros
  • Signup bonus. Earn 60,000 bonus points when you spend $4,000 in your first 3 months when you open your account. That's $750 in value when redeemed for travel purchases via the Chase Ultimate Rewards portal.
  • Earn reward points. Every time you use your card toward travel and dining purchases, you earn 2x points. All other purchases earn 1x points.
  • Point transfer. You can transfer your points in 1:1 ratio with Chase's hotel and airline partners, including British Airways, Air France KLM, Korean Air, Singapore Airlines, Southwest Airlines, United Airlines, Virgin Atlantic, IHG, Marriott and World of Hyatt.
Cons
  • Annual fee. The card comes with a $95 annual fee.
Annual fee $95
Purchase APR 15.99% to 22.99% variable
Foreign transaction fee None
Welcome offer 60,000 points after spending $4,000 in the first 3 months
Rewards 5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases

Compare more credit cards for restaurants

Best for small purchases
Citi Rewards+℠ Card

670
Min. credit score
$0
Annual fee
15,000
Points welcome offer
Up to 2x
Points
This card is ideal for anyone looking to maximize rewards on small purchases. With its round-up feature, you can earn up to 5% cash back on a $2 coffee, for example.

Pros
  • Reward points. Earn 2x points at supermarkets and gas stations on up to $6,000 in combined purchases each year. Once you reach the cap and on all other purchases, you earn 1x points.
  • Round up points. A rewards rate of 2x and 1x points may not seem like its worth earning a spot as one of the best rewards credit cards. But with the rounding up feature, your rewards rate is actually higher. Say you buy a $2 coffee. Your reward points will round up at 10x points, thus earning a 5% reward.
  • Bonus points. The card comes with 15,000 bonus points once you spend $1,000 in your first 3 months when you open your credit card account. Also, you get additional 10% bonus points for the first 100,000 points you redeem annually.
Cons
  • Foreign transaction fees. Using the card abroad or online with foreign merchants will cost 3% of the amount.
Annual fee $0
Purchase APR 0% intro for the first 15 months (then 13.49% to 23.49% variable)
Foreign transaction fee 3% of the transaction value
Welcome offer Earn 15,000 points after spending $1,000 in the first 3 months
Rewards Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases

Best for gas
Costco Anywhere Visa® Card by Citi

740
Min. credit score
$0
Annual fee
n/a
Welcome offer
Up to 4%
Cash back
If you're often on the road, the Costco Anywhere Visa® Card by Citi could be an excellent addition to your wallet. You'll earn accelerated points on gas, travel and dining purchases.

Pros
  • You won't pay an annual fee to own the card.
  • Earn 4% cash back on gas for the first $7,000 spent annually, 1% after that. Earn 3% cash back on restaurants and travel, 2% cash back on purchases from Costco and Costco.com. Earn 1% cash back on everything else.
  • Use your Costco credit card to enter Costco.
Cons
  • You need to have Costco membership to apply for the card.
  • You can only redeem your Costco rewards once a year.
Annual fee $0
Purchase APR 15.24% variable
Foreign transaction fee None
Welcome offer N/A
Rewards 4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
The information about Costco Anywhere Visa® Card by Citi has been collected independently by Finder and and has not been reviewed or provided by the issuer.

Ongoing rewards after a balance transfer
Blue Cash Everyday® Card from American Express

670
Min. credit score
$0
Annual fee
$150
Welcome offer
Up to 3%
Cash back
This can be a solid credit card if you want to enjoy a long 0% intro APR period on balance transfers and purchases, and earn rewards on your purchases at the same time.

Pros
  • Intro APR period on balance transfers and purchases. Request your balance transfers within 60 days of card membership to get a 0% intro APR period for 15 months following your account opening. You also get 0% intro APR period on purchases during the same period. After that, your rate reverts to 12.99% to 23.99% variable.
  • Earn cash back. Earn 3% cash back on up to $6,000 per year, then 1% after that. You also get to earn 2% cash back at US gas stations and department stores, and 1% cash back on everything else you buy.
  • Welcome offer. Get $150 bonus after you spend $1,000 on purchases in the first 3 months following your account opening.
Cons
  • Balance transfer limits. Make your balance transfers within 60 days you open your account to use the 0% intro APR period.
Annual fee $0
Purchase APR 0% intro for the first 15 months (then 12.99% to 23.99% variable)
Foreign transaction fee 2.7% of the transaction value
Welcome offer $150 after spending $1,000 in the first 3 months
Rewards 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases

Best for travel
Chase Sapphire Reserve®

740
Min. credit score
$550
Annual fee
50,000
Points welcome offer
Up to 10x
Points
This is an excellent card worth considering if you travel often. You get to earn a generous welcome offer, accelerated points on travel and dining, a $300 travel credit each year and more.

Pros
  • Signup bonus. Earn 50,000 bonus points when you spend $4,000 in your first 3 months of card membership. This is worth $750 if you redeem through the Chase Ultimate Rewards travel portal.
  • Earn rewards points. Earn 3x points on travel and dining at restaurants worldwide and 1x points on all other purchases. The 3x points can be worth 4.5% back if redeemed on travel purchases through the Chase Ultimate Rewards. You also earn 10x points on Lyft purchases until March 2022. This can be worth up to 15% back in travel purchases via the Chase Ultimate Rewards portal.
  • Annual travel credit. Get $300 in statement credit as reimbursement for your travel purchases every year on your card account anniversary.
Cons
  • Annual fee. Awesome perks come with a high annual fee. You'll pay $550 annual fee for the card.
Annual fee $550
Purchase APR 16.99% to 23.99% variable
Foreign transaction fee None
Welcome offer 50,000 points after spending $4,000 in the first 3 months
Rewards 10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases

How we selected our top cards

We compared several features among available rewards cards, including rewards categories, points earned per dollar spent, the average value of points upon redemption, welcome offer value, annual fees, introductory APRs and other perks or benefits a consumer might weigh when looking for a rewards card. The cards that stood out above the rest in one or more of these categories earned a spot on our list.

What’s changed in 2020

We removed the PenFed Pathfinder Rewards American Express® Card because you can no longer apply for it. Another change this year is the addition of the IHG® Rewards Club Premier Credit Card, which got a boost on its signup bonus. Combined with its rewards rate, this is undoubtedly the most rewarding hotel credit card.

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  • Why trust us? Finder’s credit card experts close to 400 hours each week steeped in the heart of credit card news and practices. With so much experience on deck, we know when a rewards card is a must have, or when a card is a better fit for just a few types of consumers. We share this knowledge to help consumers find a card that not only offers value, but best fits their financial needs. To help us accomplish this, we follow editorial guidelines that keep our content up-to-date, accurate and without bias.

Our pick for up to 2% cash back

Citi® Double Cash Card

  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Compare rewards credit cards

Updated April 6th, 2020
Name Product Welcome offer Rewards Annual fee Filter values
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months months to pay off transfers.
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
6% cash back at US supermarkets. Rates & fees
CardMatch™ from creditcards.com
See terms
See terms
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
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How do rewards credit cards work?

With a rewards credit card, you get a percentage back of what you spend, typically in the form of cash back, points or miles. You can redeem this earned currency through your card provider’s rewards portal. These points and miles represent a certain value in cash which can range depending on the rewards program.

For cashback cards, rewards are usually expressed as a percentage. If a card offers 2% cash back on all purchases, for example, you’ll receive $2 back for every $100 you spend.

For other cards, rewards are usually expressed as a point or mile multiple. A card might offer 2x points on all purchases, for example, which means you’ll receive 2 points for every dollar you spend.


1. Compare & apply for a card

Find a card that best suits your spending and reward preferences.


2. Earn rewards

Purchases made using your rewards card will automatically post points or cashback to your account. Depending on the type of rewards card, you might earn more rewards for spending in a certain category.


3. Redeem rewards

Earn enough points and you can redeem them on products, gift cards and more. Depending on your card, you might be able to simply redeem your points as a statement credit.

How to compare rewards cards

In addition to the card’s APR, here are a few big items to review when comparing rewards cards:

Signup bonus

Many rewards cards offer bonus points to new customers to help you kick start your rewards cache.

Earning categories

Does the card earn points on all purchases or just some purchases? And do some categories offer more points than others?

Transfer opportunities

Big name reward cards allow you to transfer your points to travel reward programs. This flexibility is highly valuable when used correctly.

Perks

Reward cards can come with a terrific selection of additional benefits. These can prove valuable provided they suit your needs.

Annual fee

Many cards offer decent rewards for no annual fee. Expect to pay a bit more, however, if you’re looking to get the highest rewards rate, the most generous welcome offer or a host of premium perks.

Intro APR

This can help you save money on interest if you want to make a large purchase and pay it off in 12 months or more. This can also help if you want to transfer some of your other credit card balances and use the 0% interest to pay off your debt.

When is a rewards credit card worth it?

Even the simplest of rewards credit cards can offer value if you use it properly, so it’s no surprise that rewards cards are one of the most popular types of credit cards out there.

A reward card’s annual fee is the primary concern when you’re evaluating whether the card is worth it. Some of the more luxurious rewards cards out there can come with steep fees, like the Chase Sapphire Reserve®. To make using this card worth it, you’ll need to use enough perks and earn enough rewards to overcome the $550 annual fee. Thankfully, this card and others like it make it easy to create that value thanks to generous benefits.

Chase Sapphire Reserve

The Chase Sapphire Reserve card sports an annual fee of $550. To make this card worth it, you’d have to take advantage of enough of the card’s perks and features to outweigh this $550 fee in value. Here are a few ways to create that value.

PerksValue
Annual travel statement credit$300
Two Priority Pass stays$160
TSA PreCheck/Global Entry credit (every 4 years)$100
One year of Lyft Pink membership (one time)$240
Total$800

Pros and cons of using a rewards credit card

Pros

  • Rewards. You can choose a card that fits your lifestyle and earn rewards on purchases you would have made anyway.
  • Redeeming rewards. Redemption options vary from card to card. You may be able to earn cash back, travel benefits, merchandise, gift cards and more.
  • Global acceptance. Most rewards cards are affiliated with Visa or Mastercard, and you can use these cards in over 200 countries and territories worldwide. While American Express and Discover credit cards aren’t as widely accepted internationally, they can be used in many locations around the world.
  • Extra perks. Many rewards cards offer extra perks, such as complimentary travel and rental car insurance. Compare your options to see which features work best with your lifestyle and spending habits.

Cons

  • Cost. You may have to pay an ongoing annual fee, or your card may have a higher APR than your basic, no-frills product.
  • Limitations. Your card provider might not let you earn more than a certain number of points in a calendar year, and your points may expire after a set time.
  • Temptation to spend. Rewards are always enticing. But if you aren’t careful, you could find yourself in snowballing debt. If you consistently carry a balance on your card, the interest could offset any rewards you earn.

Types of rewards credit cards

Here are a few types of rewards credit cards that you might encounter. Some card offer accelerated rewards, which is cash back, points or miles that you earn at a higher rate than the base rate.

Remember that while a card may offer stronger accelerated rewards for one category, it can also offer lesser accelerated rewards for other categories. For example, a card might offer 1% cash back on all purchases as its base rewards rate. But it might offer 3% cash back for gas. This means the card offers accelerated rewards for gas.

Retail

Retail cards offer benefits and rewards tied to a particular retailer. You might only be able to use your card with the affiliated company.
Here’s an example: With the Forever 21 Credit Card, you’ll earn points for your spending, which you can redeem for rewards certificates at Forever 21. You’ll also receive perks like discounts and exclusive promotions. The card is valid only at Forever 21.

Cashback

You’ll receive your rewards in the form of cash back, which you can usually redeem for statement credit or a deposit into your bank account. Some providers let you redeem for travel, gift cards and merchandise.
Here’s an example: The Chase Freedom Unlimited® credit card offers 1.5% cash back on every purchase. You can redeem points for statement credit and bank deposits. Gift cards, travel and experiences are also available through Chase Ultimate Rewards.

Category-specific — Gas, grocery, dining, etc.

You’ll receive accelerated rewards when you use your card for a certain category, such as restaurants or streaming services. For example, you might receive 3% cash back for one category instead of 1%, which is the normal rewards rate for purchases. Some cards have spending caps for the highest rewards rates.
Here are examples of credit cards for certain categories:

Airline

You’ll typically earn bonus miles when you spend on flights with a cobranded airline. Later, you can redeem miles for rewards like flights and car rentals through the airline’s rewards portal.
This card type often includes airline-specific perks like priority boarding and free checked baggage.
Here’s an example: United℠ Explorer Card

Hotel

A hotel credit card offers bonus points when you spend with a certain hotel chain. You can often redeem points through the chain’s rewards portal for hotel stays, travel packages, point transfers and more. Here are a few of the best hotel loyalty programs on the market.
Usually, this card type also includes hotel-specific perks like loyalty-program upgrades and resort credits.
Here’s an example: Hilton Honors American Express Card. Earn 7x points at the Hilton Portfolio of hotels and resorts. Earn 5x points at US restaurants, US supermarkets and US gas stations and 3x points on all other eligible purchases.

You asked, we listened: Top 5 common questions

With so many airline credit cards to choose from, it’s only natural to have some questions. Here are the 5 most common questions we receive on the subject.

  1. How much are credit card reward points worth? The most common value of a reward point is 1 cent per 1 point. However, this can vary greatly depending on the specific loyalty program and how you redeem your points.
  2. Can I redeem my reward points for cash back? In many cases, yes. Many reward cards offer cash back statements as a redemption option for points.
  3. What types of reward cards are there? There are three kinds of rewards cards: cards that earn cashback, miles or points. Cashback cards are typically the easiest type of card to use, but cards that earn miles or points give you the opportunity to redeem for higher value.
  4. Which type of rewards card should I get? This depends on how you use your card, and we have a full guide on how to pick a rewards card type. In general, pick a card that rewards you for your regular everyday spending.
  5. How many rewards cards should I have? Many consumers find it useful to have a few rewards cards, usually one with strong earnings for each type of major purchase category.

Guides to common credit card rewards programs

Cashback cards by credit score

Rotating category calendars

Read more about rewards credit cards

Steven Dashiell

Steven Dashiell
Credit Cards Writer

Hi, Steve here! Before I decided on the Chase Freedom, I had a ton of questions about how Chase Ultimate Rewards worked, whether this card could transfer points and just how this card differed from other issuers’ rewards cards. Here are some of the articles that answered my questions and helped me make my decision.

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Bottom line

There’s no shortage of rewards credit cards to choose from. Think about what rewards you want and how you typically spend, then compare a few cards before settling on the winner.

If you’re not sure you want a rewards card yet, consider other options like 0% APR cards.

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Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

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