Credit Cards
December 11, 2018

Best Rewards Credit Cards

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Rewards credit cards can be a great way to make your credit cards work for you. Since more and more banks are offering credit cards in all shapes and sizes, there is more competition, and that means that banks are increasing rewards in order to lure new customers. This benefits you, if you use your credit card right. Here are some of the best rewards credit cards on the market right now.

People with Excellent Credit can get their hands on the credit cards that have the best rewards. Whether it’s a crazy amount of bonus points or access to your favorite airport lounges, the perks for people with the highest credit are definitely the best. Here are the cards with the best perks.

Chase Sapphire Preferred Card

  • Best for: People who travel a lot or like to eat out. Learn more.
  • Welcome offers: The card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months. That’s $750 toward travel when you redeem through the cards website.
  • Rewards: You get 2X points on travel and dining at restaurants worldwide and 1 point per dollar spent on all other purchases.
  • Features: One of the great benefits of the card is you get 1:1 point transfer to leading airline and hotel loyalty programs. You also get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. There are also no blackout dates or travel restrictions when you book through Chase Ultimate Rewards.
  • Fees: The annual fee is $95, but there is no foreign transaction fee, which is great for travels.
  • Why get this card: It was named a ‘Best Travel Credit Card’ by MONEY® Magazine.
  • Learn more about this card here.

The Platinum Card from American Express

  • Best for: The ultimate in rewards. Learn more.
  • Welcome offers: The card offers 60,000 Membership Rewards points after you spend $5,000 on purchases in the first 3 months.
  • Rewards: You get 5X Membership Rewards points on on flights booked directly with airlines or with American Express Travel, as well as on eligible hotels booked on amextravel.com.
  • Features: American Express offers some stellar perks with this card, including Uber VIP status and free rides in the U.S. of up to $15 per month plus a $20 bonus in December, a $200 Airline Fee Credit, access to the Global Lounge Collection, and complimentary benefits from Fine Hotels & Resorts with an average total value of $550.
  • Fees: Since the card offers so many rewards, the annual fee is $550, but there is no foreign transaction fee.
  • Terms Apply
  • Learn more about this card here.

Those who have Good Credit can also get in on some of the better rewards. Many of the credit cards for people with good credit offer the same amount of bonus points or miles as those with excellent credit, which is good news. Here are some of the best credit cards for people with good credit.

Capital One Venture Rewards Credit Card

  • Best for: People who travel a lot or like to eat out. Learn more.
  • Welcome offers: The card offers 50,000 bonus points after you spend $3,000 on purchases in the first 3 months. That’s $500 toward travel when you redeem through the cards website.
  • Rewards: You get 2X miles on every purchase, as well as 10X miles on thousands of hotels when you book at Hotels.com.
  • Features: You get up to $100 for your application fee to Global Entry or TSA-Precheck. There is no limit to the miles you can earn and the miles won’t expire as long as you have your account. There are also no blackout dates or travel restrictions.
  • Fees: The annual fee is $95, which is waived for the first year, and there is no foreign transaction fee.
  • Why get this card: It was named “The Best Travel Card” by CNBC.
  • Learn more about this card here.

The competition for new customers has taken people with Average Credit off the sidelines when it comes to credit card rewards. Up until recently, credit cards for people with fair credit never offered any rewards. Now, there are a few cards that offer rewards, but this is the one that has the best rewards.

Capital One Quicksilver One Cash Rewards Credit Card

  • Best for: People who don’t want to keep track of rotating reward categories. Learn more.
  • Rewards: With this card, you earn unlimited 1.5% cash back on every purchase.
  • Features: There are no rotating reward categories or sign-ups that you need to do to earn your rewards. Your cash back also won’t expire as long as you have the account, and there are no limits on what you can earn.
  • Credit help: You can get access to a higher credit line after you make the first five monthly payments on time. You also get access to the CreditWise app, which can help you monitor your credit profile.
  • Fees: The annual fee is $39.
  • Why get this card: It takes the guess work out of your credit card rewards.
  • Learn more about this card here.
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