There are lots of credit cards available, each offering different benefits and rewards. With so many options, it can be tough to figure out which one is best for you. Each card has its own way of earning and redeeming rewards, and they all have different conditions attached. Choosing the wrong card could mean missing out on some great perks and even cash back. Here are our top 10 rewards credit cards to consider.
**Chase Sapphire Preferred Card**
The Chase Sapphire Preferred Card is great for travelers and dining enthusiasts, offering high reward rates and flexible redemption options. It has a reasonable annual fee and offers a generous sign-up bonus, multiple redemption options, and useful travel perks.
– **Pros:** High rewards in various spending categories, travel and shopping protections
– **Cons:** Annual fee, no introductory APR offer
**American Express Platinum Card**
The American Express Platinum Card is perfect for frequent travelers looking for luxury. It offers great travel benefits, airport lounge access, and a range of rewards, including Membership Rewards points.
– **Pros:** Bonus categories, transfer partners, luxurious perks
– **Cons:** $695 annual fee, complex rewards system, requires good/excellent credit
**Capital One Venture Rewards Credit Card**
The Capital One Venture Card is a top choice for travelers, providing 2-5 miles per dollar on purchases and a big sign-up bonus. It’s straightforward and offers good features for frequent flyers.
– **Pros:** Lower annual fee, annual travel credit, easy reward usage
– **Cons:** Lacks domestic airline and high-end hotel partners, no hotel status benefits
**Citi Premier Card**
The Citi Premier® Card stands out for earning rewards on non-travel spending. It offers multiple points on air travel, hotels, restaurants, supermarkets, and gas stations.
– **Pros:** Bonus categories, rewards that never expire
– **Cons:** Annual fee, requires good/excellent credit
**Discover It Cash Back**
The Discover It Cash Back card is great for moderate spenders, offering 5% cash back on rotating categories and no annual fee. It also has a 1% ongoing earning rate.
– **Pros:** 5% cash back on rotating categories, first-year cashback match, no minimum for cashback redemption
– **Cons:** 5% bonus cashback cap, quarterly activation required, 1% base reward rate
**Bank of America Premium Rewards Credit Card**
Ideal for frequent travelers with Bank of America accounts, this card offers strong rewards, airline fee credits, and travel perks.
– **Pros:** Sign-up bonus, high points on travel and dining, premium travel protection
– **Cons:** Annual fee, requires good/excellent credit
**Wells Fargo Active Cash Card**
The Wells Fargo Active Cash card offers an unlimited 2% cash rewards rate on purchases without any annual fee.
– **Pros:** High rewards rate, no annual fee, intro APR period
– **Cons:** No bonus categories
**Hilton Honors American Express Surpass Card**
Perfect for Hilton enthusiasts, this card offers significant points on Hilton purchases and includes benefits like complimentary Diamond status.
– **Pros:** Over $600 in yearly statement credits, free standard night reward
– **Cons:** High annual fee (no first-year waiver), high APR, lower point value compared to other programs
**Chase Freedom Unlimited**
Chase Freedom Unlimited offers a simple cash back system with a uniform rate on all spending and no annual fee. It also has useful bonus categories and a great welcome offer.
– **Pros:** No annual fee, intro APR period, high rewards rate
– **Cons:** Requires good/excellent credit
**Southwest Rapid Rewards Premier Credit Card**
Great for Southwest Airlines regulars, this card provides bonus points, anniversary bonuses, and annual travel credits.
– **Pros:** No foreign transaction fee, points toward A-list status, unlimited reward seats
– **Cons:** Higher regular APR, no introductory APR, annual fee
**Final Thoughts**
Before applying for any credit card, consider your spending habits, travel preferences, and financial goals to choose the best one for you. Always check the latest information on the card issuer’s website since reward structures and terms can change.