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Credit card rewards come in many forms, and they all exist to provide incentives to use credit rather than cash or a debit card. Here you'll find a selection of the very best reward cards that offer points for purchases, followed by a variety of other cards that serve helpful purposes along with their rewards.
By Brendan Harkness
In the market for a new rewards credit card? Consider these card features and your spending habits before you apply.
By Brendan Harkness
It’s our opinion that using credit cards is typically more profitable than using cash or debit cards (as long as you use your credit cards responsibly).
A rewards credit card will provide cash back, points, or miles for every purchase you make. This is effectively like getting a small discount on everything you buy, and over time those rewards can really add up.
When it comes to finding a rewards card that suits your lifestyle, the first thing you should do is analyze your spending habits.
Where do you shop the most? Do you buy gas and groceries every month? Do you shop at a wide variety of retailers, or do you tend to stick with major sites like Amazon? Do you have a very high level of spending per month, or are you more frugal?
Travelers have a very wide selection of cards to choose from. They include general-use travel cards, which are good for different kinds of travel spending, and co-branded cards which are made to be used with specific airlines and hotels.
Most people will benefit from using a combination of at least two rewards cards: One or more for common, repeating purchases, like gas, groceries, or travel; and another general-use card for less common purchases that don’t easily fall into categories.
Reward credit cards come in a few different types, so there’s more than one “best” reward card. Some of our favorites are:
The basic process is:
This effectively gives you a small discount on pretty much everything you buy with a credit card. You can typically log in to your account online to check your rewards balance; in some cases you can see it on your credit card statement too.
Some travel rewards cards also let you transfer your points to airline and hotel loyalty programs. This can be a great way to get even more out of your credit card, because you can shop around for the most cost-effective travel bookings (in terms of point value).
Reward credit cards provide their spending rewards in several different ways:
Chances are, there’s a rewards card out there with your name on it (or at least it’s ready to get your name printed on it).
For rates and fees of the American Express® Gold Card, please click here.
For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please click here.
For rates and fees of the Hilton Honors American Express Aspire Card, please click here.
For rates and fees of The Hilton Honors American Express Business Card, please click here.
For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.
For rates and fees of the Hilton Honors American Express Card, please click here.
For rates and fees of the Delta SkyMiles® Reserve American Express Card, please click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.
For rates and fees of The Business Platinum Card® from American Express, please click here.
For rates and fees of the American Express® Business Gold Card, please click here.
For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.
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The information related to Capital One® Venture® Rewards Credit Card, Capital One® VentureOne® Rewards Credit Card, Amex EveryDay® Credit Card, The Business Platinum Card® from American Express, American Express® Business Gold Card, Capital One® Savor® Cash Rewards Credit Card, Discover it® Cash Back, Discover it® Student Cash Back, Discover it® Secured, Capital One® QuicksilverOne® Cash Rewards Credit Card, Capital One® Spark® Cash for Business, Citi Prestige® Card, Hilton Honors American Express Aspire Card, Capital One® Spark® Classic for Business, American Express® Green Card, Discover it® Miles, Capital One® Spark® Miles for Business, Capital One® Spark® Miles Select for Business, Delta SkyMiles® Reserve Business American Express Card, The Hilton Honors American Express Business Card, Marriott Bonvoy Business™ American Express® Card, The Blue Business® Plus Credit Card from American Express, and Amex EveryDay® Preferred Credit Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.