Our pick for a rewards card: Citi® Double Cash Card
Up to 2%
Cash back
- An excellent choice for cash back and balance transfers
- Market-leading 2% back (1% after buying, 1% after paying)
- No annual fee
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.
Best credit cards for rewards in 2020
Take advantage of miles, points and perks with a card that best fits your lifestyle.
A rewards card can unlock savings in the form of cash back, miles and points. Below are the top rewards cards with stellar features like 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.
Best rewards credit cards
Quick look: Top rewards credit cards
- Finder’s pick: Citi® Double Cash Card: Best for flat-rate cash back
- IHG® Rewards Club Premier Credit Card: Best hotel credit card
- Chase Sapphire Preferred® Card: Best for sign up bonus
- Citi Rewards+℠ Card: Best for small purchases
- Chase Sapphire Reserve®: Best for travel
- The Platinum Card® from American Express: Best for earning airline rewards
- Capital One® Savor® Cash Rewards Credit Card: Best for dining and entertainment
- Blue Cash Preferred® Card from American Express: Best for groceries and streaming services
- Costco Anywhere Visa® Business Card: Best for gas
- U.S. Bank Cash+™ Visa Signature® Card: Best for rotating categories
- Discover it® Secured: Best for low credit
Best for flat-rate cash back
Citi® Double Cash Card
740
Min. credit score
$0
Annual fee
Up to
2%
Cash back
n/a
Welcome offer
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.
Annual Fee
$0
Purchase APR
13.99% to 23.99% variable
Balance transfer APR
0% intro for the first 18 months (then 13.99% to 23.99% variable)
Welcome offer
N/A
Rewards
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Best hotel credit card ★★★★★
IHG® Rewards Club Premier Credit Card
670
Min. credit score
$89
Annual fee
Up to
25x
Points
125,000
Points welcome offer
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 rewards night free.
Annual Fee
$89
Purchase APR
15.99% to 22.99% variable
Balance transfer APR
15.99% to 22.99% variable
Welcome offer
125,000 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
Best for sign up bonus ★★★★★
Chase Sapphire Preferred® Card
670
Min. credit score
$95
Annual fee
Up to
5x
Points
60,000
Points welcome offer
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.
Annual Fee
$95
Purchase APR
15.99% to 22.99% variable
Balance transfer APR
15.99% to 22.99% variable
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
Best for small purchases
Citi Rewards+℠ Card
740
Min. credit score
$0
Annual fee
Up to
2x
Points
15,000
Points welcome offer
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.
Annual Fee
$0
Purchase APR
0% intro for the first 15 months (then 13.49% to 23.49% variable)
Balance transfer APR
0% intro for the first 15 months (then 13.49% to 23.49% variable)
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 travel ★★★★★
Chase Sapphire Reserve®
740
Min. credit score
$550
Annual fee
Up to
10x
Points
50,000
Points welcome offer
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.
Annual Fee
$550
Purchase APR
16.99% to 23.99% variable
Balance transfer APR
16.99% to 23.99% variable
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
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.
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
Best for dining and entertainment
Capital One® Savor® Cash Rewards Credit Card
670
Min. credit score
$95
ongoing
Annual fee
Up to
4%
Cash back
$300
Welcome offer
With this card, you get to earn one of the highest rewards rates on dining and entertainment purchases without paying a high annual fee.
Annual Fee
$0 intro annual fee for the first year ($95 thereafter)
Purchase APR
15.99% or 24.99% variable
Balance transfer APR
15.99% or 24.99% variable
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
Best for groceries and streaming services
Blue Cash Preferred® Card from American Express
670
Min. credit score
$95
Annual fee
Up to
6%
Cash back
$250
Welcome offer
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.
Annual Fee
$95
Purchase APR
0% intro for the first 12 months (then 13.99% to 23.99% variable)
Balance transfer APR
N/A
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
Best for gas
Costco Anywhere Visa® Card by Citi
740
Min. credit score
$0
Annual fee
Up to
4%
Cash back
n/a
Welcome offer
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.
Annual Fee
$0
Purchase APR
15.24% variable
Balance transfer APR
15.24% variable
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.
Best for rotating categories
U.S. Bank Cash+™ Visa Signature® Card
670
Min. credit score
$0
Annual fee
Up to
5%
Cash back
$150
Welcome offer
This is one of the best credit cards for earning rewards on rotating categories because the categories aren't random — you choose which categories earn accelerated cash back. The card also comes with a solid signup bonus and an intro APR period on balance transfers.
Annual Fee
$0
Purchase APR
13.99% to 23.99% variable
Balance transfer APR
0% intro for the first 12 billing cycles (then 13.99% to 23.99% variable)
Welcome offer
$150 after spending $500 in the first 90 days
Rewards
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
Best for low credit 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. 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. We also removed the Blue Cash Everyday® Card from American Express, which previously held the spot for ongoing rewards after a balance transfer. The reason is simple: At the time of this writing, Amex removed the card’s intro APR for transfers.
Discover it® Secured
300
Min. credit score
$0
Annual fee
Up to
2%
Cash back
Other
Welcome offer
The Discover it® Secured is definitely worth considering because not only do you get to build credit, but you also get to earn cash back without paying an annual fee.
Annual Fee
$0
Purchase APR
22.99% variable
Balance transfer APR
10.99% intro for the first 6 months (then 22.99% variable)
Welcome offer
Discover will match cash back earned at the end of your first card year
Rewards
2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases
How we selected our top cards
What’s changed in 2020
| Card name | Best for… | Finder rating | Rewards |
|---|---|---|---|
| Citi® Double Cash Card | Best for flat-rate cash back | ★★★★★ | 5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases |
| IHG® Rewards Club Premier Credit Card | Best hotel credit card | ★★★★★ | 25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases |
| Chase Sapphire Preferred® Card | Best for sign up bonus | ★★★★★ | 5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases |
| Citi Rewards+℠ Card | Best for small purchases | ★★★★★ | Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases |
| Chase Sapphire Reserve® | Best for travel | ★★★★★ | 10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases |
| The Platinum Card® from American Express | Best for earning airline rewards | ★★★★★ | 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases |
| Capital One® Savor® Cash Rewards Credit Card | Best for dining and entertainment | ★★★★★ | 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases |
| Blue Cash Preferred® Card from American Express | Best for groceries and streaming services | ★★★★★ | 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 |
| Costco Anywhere Visa® Business Card | Best for gas | 4% cash back on gas on up to $7,000 annually (then 1%), 4% on dining and travel, 2% at Costco and 1% on all other purchases | |
| U.S. Bank Cash+™ Visa Signature® Card | Best for rotating categories | 5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases | |
| Discover it® Secured | Best for low credit | 2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases |
Summary of best credit cards
Citi® Double Cash Card
Why it’s the best for flat-rate cash back. The standard flat-rate most similar cards offer is 1.5%. The Citi® Double Cash Card offers 2% (1% when you buy plus 1% when you pay), which gives the card higher long-term value. But this card also beats competitor 2% cashback cards because of its long intro APR period on balance transfers, a perk that none of the other cards offer.
IHG® Rewards Club Premier Credit Card
Why it’s the best hotel credit card. The IHG® Rewards Club Premier Credit Card beats competitor cards with its high rewards rate, signup bonus and rewards nights. With an $18,000 annual spending and maxing out rewards nights, you can get more than 20 rewards nights each year. And if you clear the signup bonus, you can get more than 30 rewards nights within your first year.
Chase Sapphire Preferred® Card
Why it’s the best for sign up bonus. The Chase Sapphire Preferred® Card‘s signup bonus comes on top when compared to other cards because it’s worth $750 when redeemed for travel purchases via the Chase Ultimate Rewards program. To earn a similar bonus or higher with other cards, you typically need to pay a much higher annual fee.
Citi Rewards+℠ Card
Why it’s the best for small purchases. The Citi Rewards+℠ Card leading perk is the round-up feature where every purchase is rounded up to the nearest 10. This makes purchases of $1 and $2 earn 10% and 5% respectively back in points. No other card comes even close to rewarding small purchases like this one does.
Chase Sapphire Reserve®
Why it’s the best for travel. The Chase Sapphire Reserve® rewards your travel and dining purchases worldwide. Plus, it offers a host of travel perks like Priority Pass lounge access and $300 annual travel credit, both useful for frequent travelers. And this card is widely accepted worldwide since it’s a Visa card.
The Platinum Card® from American Express
Why it’s the best for earning airline rewards. With The Platinum Card® from American Express you earn 5x points on flights booked directly through Amex Travel. This gives you flexibility to earn points on a variety of airlines as opposed to cobranded airline cards where you only earn accelerated points on the main airline and some of its partners.
Capital One® Savor® Cash Rewards Credit Card
Why it’s the best for dining and entertainment. It’s rare to find a card like the Capital One® Savor® Cash Rewards Credit Card where you earn 4% cash back on dining and entertainment purchases. What’s more, it’s the only such card with an 8% cash back on Vivid Seats ticket purchases.
Blue Cash Preferred® Card from American Express
Why it’s the best for groceries and streaming services. No other card offers what the Blue Cash Preferred® Card from American Express does — the highest rewards rate on groceries and streaming services. What’s more, these two are not the only categories where you earn accelerated cash back. Gas purchases at US gas stations as well as taxis, rideshares, parking, tolls, trains and bus rides are also highly rewarding.
Costco Anywhere Visa® Card by Citi
Why it’s the best for gas. Other gas cards typically offer a lower rewards rate than the Costco Anywhere Visa® Card by Citi. Some cards that have a higher rewards rate often have a lower annual cap. For pure gas rewards, the Costco card is unmatched. Plus, you get to earn accelerated cash back on travel and purchases made at restaurants and Costco.
U.S. Bank Cash+™ Visa Signature® Card
Why it’s the best for rotating categories. The U.S. Bank Cash+™ Visa Signature® Card is the only cashback card with rotating categories that lets you choose the categories. It also has a higher cashback limit than competitor cards, meaning you can earn up to $100 more on the rotating categories.
Discover it® Secured
Why it’s the best for rotating categories. The Discover it® Secured card is an excellent card because not only do you get to build credit, but you also get to earn cash back without paying an annual fee. What’s more, Discover will match the entire cash back you earn during your first year without limits. No other secured card does that.
What's in this guide?
- 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.
Compare rewards credit cards
{"niche":"USCCF"}
Compare Rewards cards by spending type
To maximize your rewards, get a rewards card that offers more points in the category you spend most.
How have credit card rewards changed because of Covid-19?
During the coronavirus pandemic, cardholders have changed their spending patterns. Because of that, credit card issuers have made some changes to their rewards programs to accommodate the situation. Here’s what’s changed so far:
- Welcome offer extension. Because many cardholders are staying home and feel more uncertain about the future, they are limiting their spending and are, instead, increasing savings. As a result, credit card providers like American Express, Bank of America and Chase have extended the period needed to clear the signup bonus by an additional three months.
- Rewards program changes. During the lockdown, people are no longer spending heavily on gas and travel. Spending is going to other categories, like food delivery and streaming services. Some card providers, including Citi, Chase and Bank of America, have adapted their rewards programs to let you earn more points on the new categories.
- Extended travel perks. With travel bans and lockdown in place, cardholders could no longer use their travel perks like elite status, companion pass or free hotel nights. The expiry date for these perks has been extended by most airlines and hotels.
Types of rewards credit cards
Here are a few types of rewards credit cards that you might encounter.
Type of rewards credit card | Benefits and features | Guide |
|---|---|---|
| Cashback | Rewards earned with these cards are given as cash back. You can redeem this cash back as a statement credit or deposit into your bank account. | See guide |
| Points | These cards earn points on certain purchases, such as restaurants, gas or streaming services. You can then redeem these points in a variety of ways, such as travel, gift cards or cash back. | See cards |
| Travel | These cards earn points or miles on travel purchases, such as flights, cruises or hotel nights. These cards aren’t typically tied to a specific travel brand, letting you earn rewards regardless of how you travel. | See guide |
| Airline | Earn bonus miles when you spend on flights and other eligible categories. You can redeem these miles on additional flights and other rewards. These cards often come with additional airline benefits. | See guide |
| Hotel | Earn points when you spend on hotel stays and other eligible categories. Redeem these points on rewards nights and other rewards. Like airline cards, hotel cards often come with additional hotel perks. | See guide |
| Retail | Offer benefits and rewards tied to a particular retailer. Often, you can only use these cards with the affiliated company. | See guide |
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.
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 rewards cards allow you to transfer your points to travel rewards programs. This flexibility is highly valuable when used correctly.
Perks
Rewards 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.
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.
When is a rewards credit card worth it?
Even the simplest of rewards credit cards can offer value if you use it properly. To make a rewards card worthwhile, consider where you spend the most and get a card that offers more points in those areas.
A rewards 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 come with steep annual fees, so you’ll need to use enough perks and earn enough rewards to overcome that.
Case study: Is the Chase Sapphire Reserve® worth it?
The Chase Sapphire Reserve® 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.
| Perks | Value |
|---|---|
| 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 |
Here you can see you can get $800 of value out of the card perks in one year before you even factor in the rewards you can earn with the card on your everyday spending. This outweighs the cost of the annual fee, so the rewards card is worth it if you take advantage of the perks.
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.
- How much are credit card rewards points worth? The most common value of a rewards point is 1 cent per 1 point. However, this can vary greatly depending on the specific loyalty program and how you redeem your points.
- Can I redeem my rewards points for cash back? In many cases, yes. Many rewards cards offer cash back statements as a redemption option for points.
- What types of rewards 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.
- 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.
- 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.
Common credit card rewards programs
Most credit card providers offer a rewards program of some kind. To choose the best rewards program for your needs, consider whether you want a simple rewards structure like cash back or whether you want rewards redemption flexibility.
| Rewards program | Highlights | Program guide |
|---|---|---|
| Amex Membership Rewards |
| Amex rewards program guide |
| Bank of America Rewards |
| Bank of America rewards program guide |
| Capital One rewards |
| Capital One rewards program guide |
| Chase Ultimate Rewards |
| Chase Ultimate Rewards guide |
| Citi ThankYou Rewards |
| Citi ThankYou rewards program guide |
| Discover rewards |
| Discover rewards guide |
How to make the most of your rewards
With a good credit score or higher, getting a rewards credit card is easy. But to make the most of your rewards, you need to do some work.
How to earn points
Earning points is a straightforward process — you buy something and the points accrue on your account. Depending on the card, you can earn more points on select categories of purchases, such as gas, groceries, department stores, dining or travel, or you can earn flat rewards on all purchases.
Because there’s a difference of how many points you can earn on some categories of purchases, you have to make sure you choose the right credit card for your situation.
How to maximize points
The only way to maximize your credit card rewards is through dedication. For that, you need multiple credit cards where each earns accelerated rewards on a particular category. And then you need to use each card where it earns the most. Some of the best credit card combinations are the Chase trifecta and the Amex trifecta.
Another way of maximizing points is to always earn the signup bonus and redeem your points with the highest redemption value. In some cases — as with the Chase credit cards — you can transfer your points from one card to another and get up to 50% higher redemption value.
How to redeem points for the best value
To get the highest points redemption value you need to use your points for the right reward. For example, travel credit cards often have a 1 cent value per point, but only if you redeem it toward travel purchases. This means, avoid gift cards, avoid cash and merchandise and focus only on travel redemption.
Some credit cards let you transfer points to partner airlines and hotels. But this doesn’t necessarily mean that you’ll get better points value. To be sure you get the most for your points, compare the redemption value in points on your credit card and travel partners by dividing the cash price with the points price.
Example
A hotel stay costs $200 when paid with cash, 30,000 with credit card points and 40,000 points with partner hotel rewards program.
$200/30,000 = 0.006
$200/40,000 = 0.005
This means you get a 0.6 cents per point value with your credit card points and 0.5 cents per point value with the partner hotel. The higher the number, the higher the redemption value. In this case, it makes more sense to redeem your points with your credit card program than to transfer them to the partner hotel rewards program.
Read more about rewards credit cards
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.
Ask the experts
- Mark D. Groza
- Associate Professor of Marketing
- Northern Illinois University
- Lee Huffman
- Budget Travel Blog
- BaldThoughts.com
- Eliot Buchanan
- Co-Founder and CEO
- Plastiq.com
- Audrey Guskey
- Associate Professor of Marketing
- Duquesne University
- Yuliya Strizhakova
- Associate Professor of Marketing
- Rutgers University School of Business-Camden
- Paolina C. Medina
- Assistant Professor of Finance
- Texas A&M University
- Vassilis Dalakas
- Ph.D., Professor of Marketing & Chair, Department of Marketing
- Cal State University San Marcos
- Matthew Fisher
- MBA, Lecturer
- San Francisco State University
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.
Back to topCredit card ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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.
Read more on this topic
-
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card review You can save on interest — but probably not enough to justify paying a $49 annual fee.
-
Can you close a credit card with a balance? Here’s what to consider when closing a card with a balance.
-
First Digital Mastercard® review An expensive unsecured card for building credit.
-
Self Visa® Credit Card review Open a credit-builder loan before getting this secured card.
-
The Merit Platinum Card review An expensive card to use at the Horizon Outlet website
-
Credit card concierge services: Which can help you find hair clippers? Finder has set out to shave you a lot of trouble, finding which credit card concierge service can help you find hair clippers if you're in a tangle.
-
Credit card concierge services: Which can help you find a kettlebell? If you're ready to grab life by the bells but don't have a pair, you might be able to find the kettlebells you've been searching for through your credit card concierge service. We put three credit cards to the test.
-
Credit card concierge services: Which can help you find condoms? Which credit card concierge service can find condoms before that loving feeling is lost?
-
What does 0% APR mean? A 0% APR offer is a credit card perk that helps you save money on interest.
-
Credit card concierge services: Which can help you find yeast? Which credit card concierge services can find yeast when you most knead it?
Ask an Expert