Reward cards
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CK Editors’ Tips††: The right rewards credit card can help you get cash back on purchases, book a trip and gain crucial perks. Consider which rewards and perks match up with your habits, not just which card offers the most features overall.Read more
What to consider when choosing a rewards credit card
When shopping for a rewards credit card, keep in mind that rewards and perks only have value when you use them. While cards may promise plenty of points on purchases or high estimated values for their perks, you’re ultimately only going to benefit from them if they match up with your habits and needs. Think about where you spend your money, how much effort you’d like to put into maximizing a rewards program, and whether you want a cash back or travel rewards card.
When shopping for a rewards credit card, keep in mind that rewards and perks only have value when you use them. While cards may promise plenty of points on purchases or high estimated values for their perks, you’re ultimately only going to benefit from them if they match up with your habits and needs. Think about where you spend your money, how much effort you’d like to put into maximizing a rewards program, and whether you want a cash back or travel rewards card.
How we picked the best rewards credit cards
We selected the best rewards credit cards with a focus on cards that offer the chance to earn lots of rewards for spending in specific categories — like dining and groceries — and in straightforward ways, with cards that offer the same rewards rate on all purchases. Also, while many of the best rewards credit cards require good or excellent credit, we wanted to include a few options for those who are still building credit because rewards are available to people at many different levels of credit. Read more about our methodology for picking the best credit cards.
Jump to editors’ picksWe selected the best rewards credit cards with a focus on cards that offer the chance to earn lots of rewards for spending in specific categories — like dining and groceries — and in straightforward ways, with cards that offer the same rewards rate on all purchases. Also, while many of the best rewards credit cards require good or excellent credit, we wanted to include a few options for those who are still building credit because rewards are available to people at many different levels of credit. Read more about our methodology for picking the best credit cards.
Great for access to unsecured credit††
Great for access to unsecured credit††
Petal® 1 Rise Visa® Credit Card
Rewards rate
2% - 10%Cash backAnnual fee
$59
Rewards rate
2% - 10% Cash back
Annual fee
$59
- No security deposit required
- 2-10% cash back at select local and national merchants
Great for paying off major expenses††
Great for paying off major expenses††
Upgrade Triple Cash Rewards Visa®
Rewards rate
3%Cash backAnnual fee
$0
Rewards rate
3% Cash back
Annual fee
$0
- Unlimited cash back on payments - 3% on Home, Health and Auto categories
- No annual fee
Great for predictable payments††
Great for predictable payments††
Upgrade Card
Rewards rate
N/AAnnual fee
$0
Rewards rate
N/A
Annual fee
$0
- No annual fee
- Combine the flexibility of a card with the predictability of a personal loan
Great for flexible redemptions††
Great for flexible redemptions††
Credit One Bank® Wander® American Express® with Dining, Gas & Travel Rewards
Rewards rate
1x - 10xPoints per dollarAnnual fee
$95
Rewards rate
1x - 10x Points per dollar
Annual fee
$95
- 5X points on eligible dining, gas, and travel purchases
- 1X points on all other purchases
Great for smaller purchases††
Great for smaller purchases††
Citi Rewards+® Card
Rewards rate
1x - 5xPoints per dollarAnnual fee
$0Welcome bonus
20,000PointsEditors' bonus estimate
up to $200
Rewards rate
1x - 5x Points per dollar
Annual fee
$0
Welcome bonus
20,000 Points
Editors' bonus estimate
up to $200
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Great for graduating to unsecured credit††
Great for graduating to unsecured credit††
Capital One Quicksilver Secured Cash Rewards Credit Card
Rewards rate
1.5% - 5%Cash backAnnual fee
None
Rewards rate
1.5% - 5% Cash back
Annual fee
None
- No credit score required to apply, but may be used if available
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Great for a low security deposit††
Great for a low security deposit††
First Latitude Elite Mastercard® Secured Credit Card
Rewards rate
1%Cash backAnnual fee
$29
Rewards rate
1% Cash back
Annual fee
$29
- Your Tax Refund Could be the Key to Improving Your Credit in 2025!¹
- Choose our First Latitude Elite Card for a lower annual APR!
Great for straightforward rewards††
Great for straightforward rewards††
Credit One Bank American Express® Unlimited Rewards Card
Rewards rate
1%Cash backAnnual fee
$0
Rewards rate
1% Cash back
Annual fee
$0
- Earn unlimited 1% cash back rewards on all purchases, terms apply
- No annual fee for qualified applicants, terms apply
Great for rewards on everyday spending††
Great for rewards on everyday spending††
Wells Fargo Autograph® Card
Rewards rate
1x - 3xPoints per dollarAnnual fee
$0Welcome bonus
20,000PointsEditors' bonus estimate
up to $200
Rewards rate
1x - 3x Points per dollar
Annual fee
$0
Welcome bonus
20,000 Points
Editors' bonus estimate
up to $200
- Approval odds are statements made by Credit Karma and may not reflect Wells Fargo's underwriting criteria.
- Select "Continue" to take advantage of this offer and learn more about product features, terms and conditions.
Great for high flat-rate cash back††
Great for high flat-rate cash back††
Wells Fargo Active Cash® Card
Rewards rate
2%Cash backAnnual fee
$0Welcome bonus
$200
Rewards rate
2% Cash back
Annual fee
$0
Welcome bonus
$200
- Approval odds are statements made by Credit Karma and may not reflect Wells Fargo’s underwriting criteria
- Select "Continue" to take advantage of this offer and learn more about product features, terms and conditions.
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†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.