Best Rewards Credit Cards 2019

Brendan Harkness

Author

Brendan Harkness

Updated August 22, 2019

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

Credit card rewards come in many forms, and they all exist to provide incentives to use credit rather than cash or a debit card.

There are two general types of credit card rewards: cash back and points.

Cash back cards are pretty simple. They provide a set amount of cash back for purchases, like 3% cash back on gas. If you want to easily earn rewards without worrying about different redemption options, cash back credit cards are probably better for you.

Point rewards cards are a bit more complicated. They offer a certain number of points for every purchase, like 3X points per dollar. Depending on the card, you can redeem those points for statement credits or travel expenses, or transfer them to partner airline or hotel loyalty programs. These cards are usually focused on travel, and they’re generally better for people with more credit card experience who are willing to put in some work to get a good value for their points. (Cards that offer airline miles and hotel points are also point cards).

The first half of this page focuses on credit cards that provide rewards in the form of points, before getting into other card types. If you’re looking for cash back rewards cards specifically, check out our picks for the Best Cash Back Credit Cards.

Best pick for

General Travel

Why we picked this card

The Chase Sapphire Preferred® Card (Review) is a much-loved travel credit card, popular for its transfer partners and benefits.

There’s a great introductory bonus, and the points you earn can be transferred at a 1:1 rate to a variety of airlines and hotels, giving you the flexibility to redeem with your favorite travel brands.

Rewards

Spending Rewards
  • 2X Ultimate Rewards points per dollar spent on:
    • Travel
    • Dining at restaurants
  • 1X Ultimate Rewards point per dollar spent everywhere else
Introductory Bonus Offer
  • 60,000 Ultimate Rewards points for spending $4,000 on purchases in the first 3 months after account opening
    • Value: $600–$1,200 (assuming 1–2 cents per point)
    • Return on spend: 15–30%

The points you earn are typically worth 1 cent each, but you’ll get a 25% point bonus if you redeem for travel through the Ultimate Rewards portal. That would give you 1.25 cents per point.

But the more valuable way to use your points is to transfer them to a partner loyalty program, where they could be worth as much as 2 cents per point or more. That’d give you a cash back equivalent of 4% on travel and dining, and 2% for everything else.

Key Features & Terms

  • Point Transfer: Transfer points at a 1:1 rate to leading airline and hotel frequent travel programs, like Marriott Bonvoy or United MileagePlus.
  • 10,000-point referral bonus: Get 10,000 points for every friend you refer who applies for the card and is approved.
  • Luxury Hotel Collection: Book eligible rooms to get perks like daily breakfast for two, complimentary WiFi, room upgrades, early check-in or late check-out, and unique gifts.
  • Shop through Chase: Earn more points by shopping at participating retailers with the Shop through Chase marketplace.
  • Visa Signature Concierge: Call to speak with your Visa Signature Concierge, any time, day or night.
  • Premium Auto Rental Collision Damage Waiver: Get primary coverage on eligible rental vehicles so you don’t have to pay for rental insurance and your premiums won’t go up after an accident.
  • Annual fee: $95

Read more in our Review of the Chase Sapphire Preferred Card.

 

Runner Up

Key Features & Terms

  • 2X points per dollar on travel and dining
  • 1.5X points per dollar on everything else
  • 50,000 bonus points for spending $3,000 in the first 90 days after account opening
  • $100 Annual Airline Incidental Statement Credit: Good for incidental airline costs, like baggage, seat upgrades, and WiFi (not flight tickets).
  • Global Entry or TSA PreCheck Application Fee Credit: A statement credit to offset the cost of applying for Global Entry ($100) or TSA PreCheck ($85), once every four years.
  • Luxury Hotel Collection: Get perks for eligible hotel stays, including a $25 food and beverage credit, complimentary breakfast for two, and room upgrades when available.
  • Visa Signature Concierge: Call any time for non-emergency help, like making dining or travel reservations.
  • No foreign transaction fees
  • Annual fee: $95

Read more in our Review of the Bank of America Premium Rewards Credit Card.

We're currently unable to link directly to an application for this card.

Learn more about Chase Sapphire Preferred® Card »

Best pick for

Flat-Rate Travel Rewards

Why we picked this card

Flat-rate cards offer the same spending reward for every purchase, so maybe you wouldn’t call this a true flat-rate card. But the Capital One® Venture® Rewards Credit Card (Review) is basically a flat-rate card with an awesome bonus category thrown on top, making this a great option for travelers who stay at hotels but also have a variety of other spending.

Rewards

Spending Rewards
  • 2X miles per dollar on all other purchases
Introductory Bonus Offer
  • 50,000 bonus miles for spending $3,000 in the first 3 months after account opening
    • Value: $500–$1,000 (assuming 1–2 cents per point)
    • Return on spend: 16.67–33.33%

Your miles are worth 1 cent each when redeeming for travel expenses, but you can also transfer them to a selection of airline partners where they might be worth more than that.

If you’re getting 1 cent per point, you’d get a cash back equivalent of 10% at Hotels.com/venture and 2% everywhere else, which is quite a deal on its own. But if you get a good value by transferring your rewards, like 2 cents per point, you’d be earning the equivalent of 20% cash back at Hotels.com/venture and 4% cash back everywhere else!

Key Features & Terms

  • Point Transfer: Transfer points to a variety of airline partners at a rate of either 2:1.5 or 2:1, depending on the airline.
  • Global Entry or TSA PreCheck Application Fee Credit: A statement credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every four years.
  • Luxury Hotel Collection: Get perks for eligible hotel stays, including a $25 food and beverage credit, room upgrades when available, complimentary in-room WiFi, and more.
  • Visa Signature Concierge: Call any time for non-emergency assistance, like help making reservations or finding gifts.
  • Shopping and Travel Protections: Including Extended Warranties, Travel Accident Insurance, Auto Rental Collision Damage Waivers, Lost Luggage Reimbursement, and more.
  • No foreign transaction fees
  • Annual fee: $0 intro for first year; $95 after that

Read more in our Review of the Capital One® Venture Rewards® Credit Card.

 

Runners Up

Key Features & Terms

  • 10X miles per dollar on purchases from Hotels.com/venture (until 01/31/20)
  • 1.25X miles per dollar on all other purchases
  • 20,000 bonus miles for spending $1,000 in the first 3 months after account opening
  • Point Transfer: Transfer points to a variety of airline partners at a rate of either 2:1.5 or 2:1, depending on the airline.
  • Luxury Hotel Collection: Get perks for eligible hotel stays, including a $25 food and beverage credit, room upgrades when available, complimentary in-room WiFi, and more.
  • Visa Signature Concierge: Call any time for non-emergency assistance, like help making reservations or finding gifts.
  • Purchase APR: 0% intro on purchases for for 12 months, then 14.24% - 24.24% (Variable)
  • No foreign transaction fees
  • Annual fee: $0

Read more in our Review of the Capital One® VentureOne® Rewards Credit Card.

 

Key Features & Terms

  • 1.5X miles per dollar for every purchase
  • Miles Match: All of the miles earned in your first year will be doubled (after your cardmember anniversary).
  • Purchase and Balance Transfer APR: 0% for 14 months, then 14.24%–25.24% Variable (for transfers made during the first 90 days)
  • No foreign transaction fees
  • Annual fee: $0

Read more in our Review of the Discover it® Miles Credit Card.

We're currently unable to link directly to an application for this card.

Learn more about Capital One® Venture® Rewards Credit Card »

Best pick for

Travel Rewards with No Annual Fee

Why we picked this card

The Capital One® VentureOne® Rewards Credit Card (Review) is the top no fee travel card because it offers a decent reward rate for every purchase you make, with a big bonus for spending at Hotels.com and the ability to transfer your miles to a variety of airline partners.

It can help you travel for free without putting an extra strain on your wallet, as long as you avoid interest and other fees.

Rewards

Spending Rewards
  • 1.25X miles per dollar on all other purchases
Introductory Bonus Offer
  • 20,000 bonus miles for spending $1,000 in the first 3 months after account opening
    • Value: $200–$400 (assuming 1–2 cents per point)
    • Return on spend: 20–40%

The miles you earn with this card are typically worth 1 cent each, unless you transfer them to an airline partner where they could be worth more.

If you’re getting the standard 1 cent per point, you’ll be earning a cash back equivalent of 10% at Hotels.com/venture and 1.25% everywhere else. That’s great for Hotels.com, but mediocre otherwise.

If you get a good point transfer deal, and get 2 cents per point for example, you’d be getting a cash back equivalent of 20% at Hotels.com/venture and 2.5% everywhere else. That’s a much better deal, of course, so aim for high-value point redemptions through transfers.

Key Features & Terms

  • Point Transfer: Transfer points to a variety of airline partners at a rate of either 2:1.5 or 2:1, depending on the airline.
  • Luxury Hotel Collection: Get perks for eligible hotel stays, including a $25 food and beverage credit, room upgrades when available, complimentary in-room WiFi, and more.
  • Visa Signature Concierge: Call any time for non-emergency assistance, like help making reservations or finding gifts.
  • Shopping and Travel Protections: Such as Purchase Security, Roadside Dispatch, Lost Luggage Reimbursement, and more.
  • Purchase APR: 0% intro on purchases for for 12 months, then 14.24% - 24.24% (Variable)
  • No foreign transaction fees
  • Annual fee: $0

Read more in our Review of the Capital One® VentureOne® Rewards Credit Card.

 

Runners Up

Key Features & Terms

  • 3X points per dollar at the Bank of America Travel Center
  • 1.5X points per dollar for every other purchase
  • 25,000 bonus points for spending $1,000 in the first 90 days after account opening
  • Bonus rewards: 10% rewards bonus if you have an active BofA checking or savings account; Preferred Rewards clients can get a 25–75% bonus.
  • Purchase APR: 0% for 12 billing cycles, then 17.24%–25.24% Variable
  • No foreign transaction fees
  • Annual fee: $0

Read more in our Review of the Bank of America Travel Rewards® Credit Card.

 

Key Features & Terms

  • 3X points per dollar on:
    • Dining
    • Gas
    • Travel
    • Streaming services
  • 1X point per dollar for every other purchase
  • 30,000 bonus points for spending $3,000 in the first 3 months after account opening
  • Purchase and Balance Transfer APR: 0% for 12 months, then 15.99%-27.99% Variable (for transfers requested within 120 days)
  • No foreign transaction fees
  • Annual fee: $0

Read more in our Review of the Wells Fargo Propel American Express® Card.

We're currently unable to link directly to an application for this card.

Learn more about Capital One® VentureOne® Rewards Credit Card »

Best pick for

Premium Travel Rewards

Why we picked this card

Frequent travelers can get a lot out of the Chase Sapphire Reserve® (Review). Cardholders enjoy an excellent rewards rate on travel and dining, valuable travel benefits that are easy to take advantage of, and diverse travel partners for point transfers.

Wondering if you should go with the Sapphire Reserve or the less-expensive Chase Sapphire Preferred® Card (Review)? Read our comparison of the Chase Sapphire Reserve vs. Sapphire Preferred.

Rewards

Spending Rewards
  • 3X Ultimate Rewards points per dollar spent on:
    • Travel (after using the full $300 travel credit)
    • Dining
  • 1X Ultimate Rewards point per dollar spent on all other purchases
Introductory Bonus Offer
  • 50,000 Ultimate Rewards points for spending $4,000 on purchases in the first 3 months after account opening
    • Value: $500–$1,000 (assuming 1–2 cents per point)
    • Return on spend: 12.5–25%

Take note that you’ll only begin earning points on travel after you use up the entire $300 travel credit.

Ultimate Rewards points are typically worth 1 cent each, but the Reserve provides a 50% point bonus if you redeem for travel expenses. That makes it easy to get a good value for Chase points, with a cash back equivalent of 4.5% for travel and dining and 1.5% everywhere else.

But the best point values will come from point transfers to partner airlines and hotels. These could yield 2 cents per point or more, depending on the deal you choose, which would give you a cash back equivalent of at least 6% on travel and dining and 2% everywhere else.

Anyone who travels several times per year should be able to get a lot out of the Reserve’s benefits, especially the $300 travel credit, Priority Pass Select airport lounge access, and Global Entry/TSA PreCheck credit.

Key Features & Terms

  • Point Transfer: Transfer your points at a 1:1 rate to a variety of airline and hotel loyalty programs, like United, JetBlue, and Marriott.
  • $300 Annual Travel Credit: A $300 travel credit every year that will be automatically applied toward a broad range of travel-related expenses charged to card.
  • Complimentary Priority Pass Select membership: Provides access to over 1,000 airport lounges worldwide plus a selection of restaurants. The cardholder and two guests can enter for free; additional guests cost $27 each.
  • Luxury Hotel & Resort Collection: Provides complimentary services and benefits at participating hotels and resorts, including room upgrades, daily breakfast for two, and special gifts.
  • Global Entry or TSA PreCheck Application Fee Credit: Get a statement credit to offset the cost of applying for Global Entry ($100) or TSA PreCheck ($85), once every four years.
  • Elite Hotel Benefits at Relais & Châteaux: Accelerated progress towards Club 5C member status with Relais & Châteaux luxury hotel and resort properties.
  • Visa Infinite Concierge: Call for non-emergency help of all kinds, like making dinner reservations or finding good tickets to a show.
  • Special Car Rental Privileges: Rental upgrades, discounts, and promotional offers at Avis, Silvercar, and National Car Rental.
  • Shopping and Travel Protections: You’ll get Purchase Protection, a Primary Auto Rental Collision Damage Waiver, Trip Delay Reimbursement, and more.
  • No foreign transaction fees
  • Annual fee: $450

Read more in our Review of the Chase Sapphire Reserve Card.

We're currently unable to link directly to an application for this card.

Learn more about Chase Sapphire Reserve® »

Best pick for

Premium Travel Rewards and Airport Lounge Access

Why we picked this card

The Platinum Card® from American Express (Review) is the king of travel perks. Not only will you get a high earn rate for eligible travel expenses, you’ll also get the best airport lounge access available on a credit card, and a variety of credits that can potentially offset the high annual fee completely.

Rewards

Spending Rewards
  • 5X Membership Rewards points per dollar on:
    • Flights booked directly through airlines or through American Express Travel
    • Prepaid hotels booked through American Express Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 60,000 Membership Rewards points for spending $5,000 in the first 3 months after account opening
    • Value: $600–$1,200 (assuming 1–2 cents per point)
    • Return on spend: 12–24%

You’ll want to save up your points until you can get a good point transfer deal, because otherwise your points are only worth a maximum of 1 cent each (and that’s just for eligible flight redemptions). Statement credits will only provide 0.6 cents per point, so definitely avoid using that redemption method.

Point transfers could provide 2 cents per point or quite a bit more. At those rates you’d be earning a cash back equivalent of 10% or more in the 5X categories, which is quite a deal. You’ll also get a 4% cash back equivalent on other eligible purchases from Amex Travel, and 2% for everything else.

Key Features & Terms

  • Global Lounge Collection: Complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
  • $200 Annual Airline Fee Credit: Good for incidental costs like checked bags and inflight food (not flight tickets) at your selected airline.
  • $200 Annual Uber Credits: $15 in statement credits for Uber rides each month, except for December which gets $35.
  • $100 Annual Saks Credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December.
  • Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years).
  • The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay.
  • Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties.
  • Complimentary Elite Hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold status.
  • No foreign transaction fees
  • Annual fee: $550
  • Charge card: You must pay your balance in full each month.

Read more in our Review of The Platinum Card® from American Express: Is It Worth the $550 Annual Fee?

We're currently unable to link directly to an application for this card.

Learn more about The Platinum Card® from American Express »

Best pick for

Premium Travel Rewards and Long Hotel Stays

Why we picked this card

The Citi Prestige® Card (Review) is well-known for its “4th night free” perk for eligible hotel stays.

It used to be more valuable because that perk was unlimited, but Citi recently changed the terms to cap it at two uses per year, starting in September 2019. Any uses before that date don’t count toward the cap. It’s not as good as it once was, but it still has the potential to save you quite a bit of money each year, especially if you’ll be staying at expensive properties.

Citi says the average cardholder doesn’t use the 4th night free perk more than twice per year, so this shouldn’t be a major downside for most people. However, take note that if you book through thankyou.com you may not be able to earn hotel-brand points or use your hotel status.

Rewards

Spending Rewards
  • 5X ThankYou points per dollar spent on:
    • Air travel
    • Restaurants
  • 3X ThankYou points per dollar spent on:
    • Hotels
    • Cruise lines
  • 2X ThankYou points per dollar spent on Entertainment (former cardholders only, through 8/31/19)
  • 1X ThankYou point per dollar spent on everything else
Introductory Bonus Offer
  • 50,000 ThankYou points for spending $4,000 in the first 3 months after account opening
    • Value: $500–$1,000 (assuming 1–2 cents per point)
    • Return on spend: 12.5–25%

Your ThankYou points are typically worth 1 cent each when redeemed for travel expenses, which would give you a 5% cash back equivalent in the 5X categories and a 3% cash back equivalent in the 3X categories.

But point transfers are a better redemption method because you can get more value per point. If you get 2 cents per point, for example, you’d be earning a 10% cash back equivalent in the first case and a 6% cash back equivalent in the second, and those are very competitive rates.

Key Features & Terms

  • Point Transfer: To a variety of airline loyalty programs, including Etihad Guest, JetBlue TrueBlue, and Virgin Atlantic Flying Club.
  • Annual $250 Travel Credit: Good for airline tickets, hotel rooms, car rentals, and other travel expenses.
  • Complimentary 4th Night Stay: Get your fourth night free when booking four nights in a row through ThankYou.com or the Citi Concierge, and paying with your card, ThankYou points, or a combination of both (starting September 2019, this perk is capped at two uses per year; uses before that date don’t count toward the cap).
  • Complimentary Priority Pass Select membership: Access to over 900 Priority Pass airport lounges and restaurants around the world.
  • Global Entry or TSA PreCheck application fee credit: A credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every five years.
  • Citi Prestige Concierge: Call for non-emergency help any time you need it.
  • World Elite Car Rental Program: Elite memberships at Avis, Silvercar, and National.
  • No foreign transaction fees
  • Annual fee: $495

Read more in our Review of the Citi Prestige® Card.

 

Runners Up

The Capital One Venture cards are great for general hotel spending thanks to their 10X category with Hotels.com, and the fact that Hotels.com gives you a free night for every ten nights you stay.

Key Features & Terms

  • 10X miles per dollar on purchases from Hotels.com/venture (until 01/31/20)
  • 2X miles per dollar on all other purchases
  • 50,000 bonus miles for spending $3,000 in the first 3 months after account opening
  • No foreign transaction fees
  • Annual fee: $0 intro for first year; $95 after that

Read more in our Review of the Capital One® Venture Rewards® Credit Card.

 

Key Features & Terms

  • 10X miles per dollar on purchases from Hotels.com/venture (until 01/31/20)
  • 1.25X miles per dollar on all other purchases
  • 20,000 bonus miles for spending $1,000 in the first 3 months after account opening
  • Purchase APR: 0% intro on purchases for for 12 months, then 14.24% - 24.24% (Variable)
  • No foreign transaction fees
  • Annual fee: $0

Read more in our Review of the Capital One® VentureOne® Rewards Credit Card.

Best pick for

No Annual Fee

Amex EveryDay Credit Card
Why we picked this card

There aren’t many general-use point cards without annual fees, but the Amex EveryDay Credit Card (Review) is our pick for number one.

Not only will you get a point bonus for using the card more, you’ll also enjoy a long promotional APR period and no balance transfer fees for the first 60 days.

Rewards

Spending Rewards
  • 2X Membership Rewards points at U.S. Supermarkets (up to $6,000 in purchases per year, then 1X)
  • 1X Membership Rewards point on all other purchases
  • 20% point bonus for making 20 or more purchases in a billing period
Introductory Bonus Offer
  • 10,000 Membership Rewards points for spending $1,000 in the first 3 months after account opening
    • Value: $100–$200 (assuming 1–2 cents per point)
    • Return on spend: 10–20%

This card offers a way to get Amex Membership Rewards points without paying an annual fee. It has a rare feature that rewards you more for spending more often: Make 20 or more purchases in a billing period to get a 20% bonus on the eligible points you earned.

That would give you a total of 2.4X points per dollar at U.S. supermarkets, and 1.2X points everywhere else.

Normal redemptions will get you a maximum of 1 cent per point, but you can do better with point transfers. If you get 2 cents per point through a transfer, for example, you’ll be earning a cash back equivalent of 4.8% at U.S. supermarkets when earning at the 2.4X rate, and 2.4% cash back on all other purchases at the 1.2X rate.

Key Features & Terms

  • Amex Offers: Discounts or extra points at specific retailers, like Shutterfly.com, Harry’s Razors, Contacts Direct, and many more.
  • Complimentary ShopRunner Membership: Register with ShopRunner for free two-day shipping and returns at select online retailers.
  • Entertainment Access: Exclusive discounts to events, concerts, sporting events, and shows.
  • Shopping and Travel Benefits: Like Extended Warranties, Return Protection, Global Assist Hotline, and others.
  • Purchase and Balance Transfer APR: 0% for 15 months (for transfers made in the first 60 days), then 15.24%–26.24% Variable
  • No balance transfer fee
  • Annual fee: $0

Read more in our Review of the Amex EveryDay and Amex EveryDay Preferred Credit Cards.

 

Runners Up

Key Features & Terms

  • 3X points per dollar spent on:
    • Dining
    • Gas
    • Travel
    • Streaming services
  • 1X point per dollar spent on all other purchases
  • 30,000 bonus points for spending $3,000 in the first 3 months
  • Entertainment Access: Get access to special offers and ticket presales for events in big U.S. cities.
  • Free FICO Credit Score: Check your FICO Score 9 whenever you’d like, based on your Experian credit report.
  • Cell Phone Protection: Pay your cell phone bill with this card to get coverage against damage and theft, up to $600 with a $25 deductible.
  • Shopping and Travel Protections: Including Purchase Protection, Travel Accident Insurance, Travel Inconvenience Insurance, and more.
  • Purchase and Balance Transfer APR: 0% for 12 months (for transfers made in the first 60 days), then 15.99%-27.99% Variable
  • Annual fee: $0

Read more in our Review of the Wells Fargo Propel American Express® Card.

 

Key Features & Terms

  • 2X ThankYou points per dollar spent at (on the first $6,000 spent per year, then 1X):
    • Supermarkets
    • Gas stations
  • 1X ThankYou point per dollar for all other purchases
  • Point Round Up: Every purchase will round up to the nearest 10 points.
  • 10% Points Back for the first 100,000 ThankYou points redeemed per year.
  • Citi Private Pass: Special access to purchase tickets and VIP packages for concerts, sports, dining, and movie screenings.
  • Citi Concierge: Call for non-emergency assistance any time you need it, for help making reservations, finding gifts, and much more.
  • Purchase and Balance Transfer APR: 0% for 15 months (for transfers made in the first 4 months), then 15.49% - 25.49% (Variable)
  • Annual fee: $0

Best pick for

Business Travel Rewards

Why we picked this card

You can’t beat The Business Platinum® Card from American Express (Review) when it comes to business rewards cards. Amex raised the annual fee from $450 to $595, but you’ll still have all the same benefits, plus two more that could be very useful for some businesses.

Rewards

Spending Rewards
  • 5X Membership Rewards points per dollar on:
    • Flights booked directly with airlines or with Amex Travel
    • Eligible prepaid hotels booked with the Amex Travel portal
  • 2X Membership Rewards points per dollar spent on other eligible purchases from Amex Travel
  • 1.5X Membership Rewards points per dollar spent on purchases of $5,000 or more
  • 1X Membership Rewards point per dollar spent everywhere else
Introductory Bonus Offer
  • 50,000 Membership Rewards points for spending $10,000 on purchases in the first 3 months of card membership
    • Value: $500–$1,000, depending on redemption method (assuming 1–2 cents per point)
    • Return on spend: 5–10%
  • 25,000 Membership Rewards points for spending an additional $10,000 on purchases in the first 3 months of card membership
    • Value: $250–$500, depending on redemption method (assuming 1–2 cents per point)
    • Return on spend: 2.5–5%

Amex Membership Rewards points are best used for point transfers to partner airlines and hotels, where the value you get will depend on how you redeem them.

If you get 2 cents per point, a pretty good rate, you’d be earning a cash back equivalent of 10% in the 5X categories, which is quite good. And you’d be earning a 3% cash back equivalent on purchases of $5,000 or more, but you may want to use a different card that earns more rewards for those purchases.

Key Features & Terms

  • Global Lounge Collection: Complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
  • $200 Annual Airline Fee Credit: Good for incidental costs like checked bags and inflight food, not tickets, at your selected airline.
  • Global Entry or TSA PreCheck Application Fee Credit: A statement credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every four years.
  • Complimentary Elite Hotel Statuses: Hilton Honors Gold status and Marriott Bonvoy Gold status.
  • $200 Dell Statement Credit: Enroll to get an annual $200 statement credit for U.S. purchases with Dell: $100 from January through June, and $100 from July through December.
  • Platinum Global Access from WeWork: Get a year of Platinum Global Access from WeWork and gain access to over 300 premium, select workspaces in over 75 cities.
  • The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay.
  • Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties.
  • Complimentary Boingo Internet Access: Worldwide Boingo WiFi access at over one million hotspots through the Boingo American Express Preferred Plan.
  • Point Transfer: To a selection of airline and hotel partners.
  • No foreign transaction fees
  • Annual fee: $595
  • Charge card: You must pay your balance in full each month.

Read more in our Review of the Business Platinum Card® from American Express: Is it worth the $595 annual fee?

 

Runner Up

Key Features & Terms

  • 3X points per dollar on the first $150,000 spent per year (then 1X) on:
    • Travel
    • Shipping
    • Internet, cable, and phone services
    • Advertising purchases made with social media sites and search engines
  • 1X point per dollar on all other purchases
  • 80,000 bonus points for spending $5,000 on purchases in the first 3 months
  • 25% point bonus when redeeming for travel expenses through Chase Ultimate Rewards.
  • Point Transfer: At a 1:1 rate to a variety of airline and hotel loyalty programs, including British Airways, United, Marriott, and Hyatt.
  • Cell Phone Protection: Pay your monthly cell phone bill with the card to get coverage against theft and damage, up to $600 per claim with a $100 deductible.
  • Shopping and Travel Protections: Including Purchase Protection, Extended Warranty Protection, Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waivers, and more.
  • Annual fee: $95

Read more in our Review of the Chase Ink Business Preferred Credit Card.

We're currently unable to link directly to an application for this card.

Learn more about The Business Platinum® Card from American Express »

Best Pick For

Varied Business Spending

Why we picked this card

If you expect your business expenses to change from month to month or you’re never quite sure what they’ll be, the American Express® Business Gold Card (Review) could be the perfect card for you.

It provides 4X points in the two categories (out of six) your business spends the most in each month, letting you earn points at a high rate even with unpredictable spending patterns.

Rewards

Spending Rewards
  • 4X Membership Rewards points per dollar in the two categories you spend the most in each month, up to $150,000 per year (then 1X):
    • Airfare purchased directly from airlines
    • U.S. purchases for advertising in select media
    • U.S. computer hardware, software, and cloud computing purchases made directly from select providers
    • U.S. purchases for shipping
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants
  • 2X Membership Rewards points per dollar on eligible purchases from Amex Travel
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • Up to $500 back for eligible FedEx purchases in the first 3 months

The value of your Amex Membership Rewards points will depend on how you redeem them. Point transfers can provide the highest rate per point, but you’ll typically need to do a bit of searching to find good deals.

You may get 2 cents per point or more through transfers; at that rate you’d be earning a cash back equivalent of at least 8% in the 4X categories, and 4% in the 2X categories. That’s a solid return on your purchases, and the fact that this card adjusts for your spending as it changes makes it all the better.

Key Features & Terms

  • 25% Airline Bonus: Get 25% of your points back when booking eligible airfare through American Express Travel using Membership Rewards Pay with Points.
  • The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay.
  • Point Transfer: To a selection of airline and hotel partners.
  • No foreign transaction fees
  • Annual fee: $295
  • Charge card: You must pay your balance in full each month.

Read more in our Review of the American Express Business Gold Card.

 

Runner Up

Key Features & Terms

  • 2X Membership Rewards points per dollar spent on the first $50,000 in purchases each year
  • 1X Membership Rewards point per dollar spent on all purchases after that
  • Complimentary ShopRunner membership: Enroll in ShopRunner to get free two-day shipping and returns from select online merchants.
  • Amex Offers: Earn extra points and discounts at a changing selection of merchants, like Grubhub, Squarespace, Hulu, and more.
  • Purchase and Balance Transfer APR: 0% for 12 months, then 15.24–21.24% Variable (for transfers requested within 60 days)
  • Annual fee: No annual fee

Read more in our Review of The Blue Business Plus Credit Card from American Express.

We're currently unable to link directly to an application for this card.

Learn more about American Express® Business Gold Card »

Best pick for

Dining Out and Groceries

Why we picked this card

If food is your thing, the American Express® Gold Card (Review) might be your card.

You’ll earn points at a high rate at restaurants worldwide and U.S. supermarkets, which is rare to see on a credit card (you usually only see one of these categories at a time, or one is significantly better than the other). And there are also some cost-saving benefits you can use each year to help offset the $250 annual fee.

Rewards

Spending Rewards
  • 4X Membership Rewards points per dollar spent at:
    • Restaurants worldwide
    • U.S. supermarkets, on up to $25,000 per year in purchases
  • 3X Membership Rewards points per dollar spent on:
  • 2X Membership Rewards points per dollar spent at gas stations (former Premier Rewards Gold Card users only, until 10/4/19)
  • 1X Membership Rewards point per dollar spent on all other purchases
Introductory Bonus Offer
  • 35,000 Membership Rewards points for spending $2,000 in the first 3 months after account opening
    • Value: $350–$700 (assuming 1–2 cents per point)
    • Return on spend: 17.5–35%

This might not seem like a travel card from the spending rewards, but it has a few benefits that make it suited for that purpose. In particular, the best way to redeem your Amex Membership Rewards points is through point transfers to partner airlines and hotels.

Depending on how you redeem, you can get upwards of 2 cents per point. That would give you a cash back equivalent of 8% at U.S. supermarkets and U.S. restaurants, which is probably the best you’ll currently find on any credit card.

Key Features & Terms

  • $100 Annual Airline Fee Credit: Use this to pay for incidental airline fees, like baggage and in-flight food and drinks. Does not apply to flight tickets.
  • $120 Annual Dining Credit: Earn up to $10 in statement credits per month for purchases at eligible restaurants and food delivery services.
  • Point Transfer: To airline and hotel loyalty programs, like JetBlue, Southwest Airlines, Marriott, and Hyatt.
  • The Hotel Collection: Provides up to $100 in credits for every eligible hotel stay of two nights or more.
  • Amex Offers: Find significant discounts at a changing selection of merchants and websites, like TurboTax, SamsClub.com, Etsy, and many more.
  • Complimentary ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers, like American Eagle, Peet’s Coffee, Staples, and more.
  • Shopping and Travel Protections: Including Purchase Protection, Return Protection, Premium Roadside Assistance, and Travel Accident Insurance.
  • Annual fee: $250
  • Charge card: You must pay your balance in full each month.

Read more in our Review of the American Express® Gold Card.

 

Runner Up

Amex EveryDay® Preferred Credit Card

Key Features & Terms

  • 3X Membership Rewards points per dollar spent at U.S. supermarkets; up to $6,000 per year, then 1X
  • 2X Membership Rewards points per dollar spent at U.S. gas stations
  • 15,000 bonus points for spending $1,000 in the first 3 months
  • Earn 50% more points on eligible purchases by making 30 or more purchases per billing period
  • Point Transfer: To airline and hotel loyalty programs, including Delta, JetBlue, Hilton, and Marriott.
  • Amex Offers: Earn more points and discounts at a changing selection of retailers.
  • Entertainment Access: Access presale tickets to big events in cities around the U.S.
  • Shopping and Travel Protections: Such as Return Protection, Extended Warranties, Travel Accident Insurance, and a Baggage Insurance Plan.
  • Purchase and Balance Transfer APR: 0% for 12 months (for transfers made in the first 60 days), then 15.24%–25.24% Variable
  • Annual fee: $95

Read more in our Review of the Amex EveryDay and Amex EveryDay Preferred Credit Cards.

We're currently unable to link directly to an application for this card.

Learn more about American Express® Gold Card »

Best pick for

Gas

Why we picked this card

If you’re looking for a solid, no-fee card that earns points on gas, the Wells Fargo Propel American Express® card (Review) might be right for you.

In addition to gas stations you’ll also get a few other useful bonus categories — including streaming services, which is rare — a nice signup bonus, and a pretty long introductory APR.

Rewards

Spending Rewards
  • 3X points per dollar spent on:
    • Dining
    • Gas
    • Travel
    • Streaming services
  • 1X point per dollar spent on all other purchases
Introductory Bonus Offer
  • 30,000 bonus points for spending $3,000 in the first 3 months
    • Value: $300
    • Return on spend: 10%

Every point is worth 1 cent when redeemed, so you’ll be earning a 3% cash back equivalent when spending in the 3X categories.

Key Features & Terms

  • Entertainment Access: Get access to special offers and ticket presales for events in big U.S. cities.
  • Free FICO Credit Score: Check your FICO Score 9 whenever you’d like, based on your Experian credit report.
  • Cell Phone Protection: Pay your cell phone bill with this card to get coverage against damage and theft, up to $600 with a $25 deductible.
  • Shopping and Travel Protections: Including Purchase Protection, Travel Accident Insurance, Travel Inconvenience Insurance, and more.
  • Purchase and Balance Transfer APR: 0% for 12 months (for transfers made in the first 120 days), then 15.99%-27.99% Variable
  • Annual fee: $0

Read more in our Review of the Wells Fargo Propel American Express® Card.

 

Runners Up

Key Features & Terms

  • 5X points per dollar spent on gas purchases at the pump
  • 3X points per dollar spent at supermarkets
  • 1X point per dollar spent everywhere else
  • $100 statement credit for spending $1,500 in the first 90 days
  • Balance Transfer APR: 0% for 12 months (for transfers made in the first 60 days), then 11.99% to 17.99% Variable
  • Annual fee: $0

 

Amex EveryDay® Preferred Credit Card

Key Features & Terms

  • 3X Membership Rewards points per dollar spent at U.S. supermarkets; up to $6,000 per year, then 1X
  • 2X Membership Rewards points per dollar spent at U.S. gas stations
  • 1X Membership Rewards point per dollar spent everywhere else
  • 15,000 bonus points for spending $1,000 in the first 3 months
  • Earn 50% more points on eligible purchases by making 30 or more purchases per billing period.
  • Point Transfer: To airline and hotel loyalty programs, including Delta, JetBlue, Hilton, and Marriott.
  • Amex Offers: Earn more points and discounts at a changing selection of retailers.
  • Entertainment Access: Access presale tickets to big events in cities around the U.S.
  • Shopping and Travel Protections: Such as Return Protection, Extended Warranties, Travel Accident Insurance, and a Baggage Insurance Plan.
  • Purchase and Balance Transfer APR: 0% for 12 months (for transfers made in the first 60 days), then 15.24%–25.24% Variable
  • Annual fee: $95

Read more in our Review of the Amex EveryDay and Amex EveryDay Preferred Credit Cards.

 

Key Features & Terms

  • 3X ThankYou points per dollar spent on:
    • Travel
    • Gas stations
  • 2X ThankYou points per dollar spent on:
    • Restaurants
    • Entertainment
  • 1X ThankYou point per dollar for all other purchases
  • 50,000 bonus points for spending $4,000 in the first 3 months
  • Point Transfer: To a variety of airline partners, including JetBlue, Etihad, Qatar, and Virgin Atlantic.
  • Citi Private Pass: Special access to purchase tickets and VIP packages for concerts, sports, dining, and movie screenings.
  • Citi Concierge: Call for non-emergency assistance any time you need it, for help making reservations, finding gifts, and much more.
  • No foreign transaction fees
  • Annual fee: $95

Read more in our Review of the Citi Premier℠ Card.

 

Key Features & Terms

  • 30X Hilton Honors points per dollar at participating hotels and resorts in the Hilton Portfolio
    • 12X Bonus points per dollar from the card
    • 18X Base points per dollar from your member status (minimum)
  • 6X Hilton Honors Bonus points per dollar at:
    • U.S. restaurants
    • U.S. supermarkets
    • U.S. gas stations
  • 3X Hilton Honors Bonus points on all other eligible purchases
  • 130,000 Hilton Honors Bonus points and a Free Weekend Night for spending $4,000 in the first 4 months after account opening
  • Annual Weekend Night Reward: Spend $15,000 in a calendar year to earn a free weekend reward night.
  • Complimentary Hilton Honors Gold status: Includes perks like an 80% bonus on Base points earned, free internet access, room upgrades when available, and more.
  • Fast Track to Hilton Honors Diamond status: Spend $40,000 in a given year to earn Hilton Honors Diamond status.
  • Limited Priority Pass™ Select membership: Access Priority Pass airport lounges 10 times per year for free, with a $32 fee per person after that. Excludes non-lounge experiences.
  • No foreign transaction fees
  • Annual fee: $95

Read more in our Review of the Hilton Honors Surpass Card from American Express: Should you pay $95 for it?

 

Key Features & Terms

  • 2X ThankYou points per dollar spent (on the first $6,000 per year, then 1X) at:
    • Supermarkets
    • Gas stations
  • 1X ThankYou point per dollar for all other purchases
  • Point Round Up: Every purchase will round up to the nearest 10 points.
  • 10% Points Back for the first 100,000 ThankYou points redeemed per year.
  • Citi Private Pass: Special access to purchase tickets and VIP packages for concerts, sports, dining, and movie screenings.
  • Citi Concierge: Call for non-emergency assistance any time you need it, for help making reservations, finding gifts, and much more.
  • Purchase and Balance Transfer APR: 0% for 15 months (for transfers made in the first 4 months), then 15.49% - 25.49% (Variable)
  • Annual fee: $0

Best pick for

Students

Why we picked this card

College students could do worse than the Citi Rewards+ Student Card, an interesting reward card with some unique features.

You won’t earn a ton of points per dollar, but every purchase you make will round up to the nearest 10 points. So even a candy bar will net you 10 points. You’ll also get 10% of your points back, effectively raising the 2X reward rate to 2.2X.

Rewards

Spending Rewards
  • 2X points per dollar on up to $6,000 in purchases per year (then 1X), at:
    • Supermarkets
    • Gas stations
  • 1X point per dollar spent on all other purchases
  • Point Round Up: All purchases will round up to the nearest 10 points
Introductory Bonus Offer
  • 2,500 bonus points for spending $500 in the first 3 months
    • Value: $25
    • Return on spend: 5%

Key Features & Terms

  • Citi Private Pass: Special access to purchase tickets and VIP packages for concerts, sports, dining, and movie screenings.
  • Purchase APR: 0% for 7 months, then 16.49% - 26.49% (Variable)
  • Annual fee: $0

 

Runner Up

Key Features & Terms

  • 3X points per dollar on purchases from the Bank of America travel center
  • 1.5X points per dollar for all other purchases
  • 25,000 bonus points for spending $1,000 in the first 90 days
  • Bank of America Customers and Preferred Rewards: Get a 10-75% bonus on rewards earned, depending on how much money you have in BofA bank accounts.
  • Free Credit Score: Check your FICO Score 8 for free, based on your TransUnion credit report.
  • Visa Platinum or Signature benefits: Depending on creditworthiness.
  • Purchase APR: 0% for 12 months, then 17.24%–25.24% Variable
  • No foreign transaction fee
  • Annual fee: $0

Is a Rewards Credit Card Right For You?

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.

Using Multiple Rewards Credit Cards

“But having multiple credit cards sounds risky. Doesn’t that just lead to debt and bad credit scores?”

No. Although irresponsible credit card use can lead to debt and bad credit, there’s nothing wrong with having multiple credit cards. As long as you’re responsible — which means paying your bills on time, and usually in full — you can have as many credit cards as you want while maintaining excellent credit scores.

Many people use multi-card setups to ensure they’ll be getting the best possible reward value for every purchase they make. They use credit cards to pay for gas, groceries, food at restaurants, clothes, travel, and everything else — while earning rewards for every dollar they spend.

Let’s look at an example, which uses one card for groceries and gas and another card for everything else.

The first card, the Blue Cash Preferred® Card from American Express (Review), is awesome for groceries, providing 6% cash back at U.S. supermarkets (on the first $6,000 spent per year; then 1%). It’s quite good for gas too, offering 3% cash back at U.S. gas stations with no limit.

The second card, the Citi® Double Cash Card - 18 month BT offer (Review), provides 2% cash back for every purchase you make, no matter what you’re buying (1% back when you make purchases, and 1% back when you pay for purchases). This is the best flat-rate credit card currently available, if you’re curious.

So, with this two-card strategy, you would use the Blue Cash Preferred every time you buy groceries or gas, to get 6% and 3% cash back respectively. Then you’d use the Double Cash to earn 2% back for every other purchase.

You could expand on this basic strategy by adding more cards for particular types of purchases. If you spend a lot on Amazon, for example, you could get the Amazon Prime Rewards Visa Signature Card (Review) to handle those purchases. And if you go out to eat at restaurants with any regularity, you could throw the Uber Visa Card (Review) into the mix to earn more for those purchases.

Rewards Cards with Annual Fees

“I would never pay for a credit card.”

Does that sound like something you’d say? You’re not alone, but you should consider what you might be missing out on.

Although some of the best credit cards with rewards programs have no annual fees, there are also quite a few with fees ranging from less than $100 to nearly $600 (and some are even more expensive).

When used properly, these cards can typically provide outsized value for their fees. So, if a card has a $450 annual fee, you should be able to get more than $450 in value from it every year.

Cards like these often provide annual credits that help to offset their fees, like $300 towards travel expenses. They may also provide complimentary services or memberships that would normally be quite expensive, like airport lounge access or an elite hotel status. These benefits can make the cards more cost-effective, helping to partially or even completely offset the annual fees.

Reward cards also provide points or cash back for purchases, of course, and these help to offset annual fees as well. If your card has a $95 annual fee and you earn $95 in rewards, you just offset the annual fee for a year; and any rewards you earn after that will be all profit (assuming you don’t have to deal with interest charges or other fees).

For a thorough discussion of this topic, see our post: Is Paying an Annual Fee for a Credit Card Worth It?

How Often Do You Travel?

For most people with normal spending habits, two or three credit cards might be enough. But for anyone who travels fairly often, at least a few times per year, another card or two might be a good idea.

Travel credit cards offer some of the best rewards and benefits among credit cards, helping cardholders save hundreds or even thousands of dollars per year while having a better time on the road or in the air. The best reward cards for travel also tend to have annual fees.

Take The Platinum Card® from American Express (Review), for example. It has an annual fee of $550, but for that price you get complimentary access to an extensive collection of airport lounges around the world, a $200 airline fee credit every year, $200 in Uber credits every year, automatic Marriott Bonvoy Gold status and Hilton Honors Gold status, and much more. The value of these benefits can far outweigh the annual fee, as long as you use them enough each year.

General travel cards like these provide rewards that you can use to pay for most kinds of travel expenses. See our page on Travel Credit Cards, where you can learn much more about these card offers. Or if you’re interested in a particular travel brand, check out airline and hotel co-branded cards.

Q&A Video: Will I Earn Rewards Points on This Purchase?

Selection Criteria: What Makes a Great Rewards Card?

In the market for a new rewards credit card? Consider these card features and your spending habits before you apply.

  • Good opportunities for use: Make sure that you’ll be using the card enough to justify having it. Take your spending habits into consideration — how often will you make purchases eligible for rewards?
  • Rewards that fit your lifestyle: Normal, everyday spenders can probably get a lot out of simple cash back cards. But if you’re looking to travel, a travel card that allows point transfers to various airlines or hotels could be perfect for you. And if you have a favorite airline or hotel, check out the available co-branded cards.
  • High rewards compared to other cards: Not all reward cards are created equal. Don’t just look for the right card for you: Look for the best card for your situation, with the highest potential reward value compared to other options.
  • A strong signup bonus: It’s not the most important feature, but getting $100–$1,000 just for buying things you were already going to buy is icing on the cake. Usually you have to reach at least several hundred dollars in a few months, which can be easy if you use the card fairly frequently, or you can explore alternative spending options.
  • Other perks and benefits: There’s more to credit cards than just rewards. Look for cards with valuable extra benefits you can make use of, like travel credits, airport lounge access, and free credit scores.
  • A 0% introductory APR: Having a year or so to make interest-free purchases can be very helpful if you’re looking to finance some expensive items, giving you time to pay them back without accruing finance charges.
  • A reasonable annual fee: Some rewards cards have annual fees, while others don’t. There’s no reason to avoid a card just because it has an annual fee; in fact, many of the better rewards cards, especially the travel credit cards, have fees. Just make sure that you’ll be getting a positive expected value every year.
  • A commitment to responsible credit use: Having a rewards credit card won’t do you much good if you’re swamped with debt and paying interest. Commit to paying off your full statement balance on time each month to avoid interest charges (unless you have a card with a 0% rate).

Types of Reward Credit Cards

Rewards credit cards provide their spending rewards in several different ways:

  • Points that can be redeemed for statement credits, merchandise, gift cards, etc., or transferred to partner loyalty programs.
  • Cash back, which is a certain percentage of each purchase.
  • Store-specific points that can only be redeemed with the retailer that provides the card.
  • Airline miles that can be redeemed for free flights and discounts.
  • Hotel-specific points that can be redeemed for free stays at hotels and other discounts.

There are also many different types of reward cards: Some for everyday spending, some for general travel, some for specific airlines or hotels, some for business owners, and many more.

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).

Keep reading to find our picks for the best cards in a variety of different categories, along with links to learn more about why we picked them.

Best Cash Back Credit Cards

Best Introductory Bonus Credit Cards

Best 0% Intro APR Credit Cards

Here are a few of our favorite cards; see all of our card picks in this category here: Best 0% Intro APR Credit Cards.

Blue Cash Everyday® Card from American Express

 

 

 

Best Travel Credit Cards

Best Airline Credit Cards

Here are a few of our favorite cards; see all of our best picks in this category here: Best Airline Credit Cards.

 

Delta Reserve® Credit Card from American Express

 

 

Best Hotel Credit Cards

Here are a few of our favorite cards; see all of our card picks in this category here: Best Hotel Credit Cards.

Hilton Honors Aspire Card

 

Marriott Bonvoy Brilliant™ American Express® Card

 

 

Best Charge Cards

Here are a few of our favorite cards; see all of our card picks in this category here: Best Charge Cards.

 

 

American Express® Green Card

 

Best Secured Credit Cards

Best Business Credit Cards

Best Military Credit Cards

Here are a few of our favorite cards; see all of our card picks in this category here: Best Military Credit Cards.

 

 

Hilton Honors Aspire Card

 

Best Retail Store Credit Cards

Best for Fair or Average Credit

Here are a few of our favorite cards; see all of our card picks in this category here: Best Credit Cards for Fair or Average Credit.

 

Petal Card is issued by WebBank, Member FDIC

 

 

Looking for other types of credit cards you didn’t see here? Take a look at our full selection of Best Credit Card Picks in a variety of categories.
Was this helpful?

The Insider

Susan Shain
6 Best Credit Cards for International Travel
Susan Shain | Aug 16, 2019

Heading abroad soon? Then check out this list of the six best credit cards for international travel — they'll have you traveling in style in no time.

Read More
Sean Messier
How to Build Credit: 5 Ways to Increase Your Credit Scores
Sean Messier | Aug 15, 2019

Using a credit card is far from the only way to build credit. Here, we explore several ways to establish, repair, and improve your credit scores.

Read More
Sean Messier
What Happens If You Don’t Activate a Credit Card?
Sean Messier | Aug 12, 2019

Even if you didn't activate a new credit card, the account is probably open and affecting your credit scores. Read this to learn what to do next.

Read More