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 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 a loan alternative with rewards††
Great for a loan alternative with rewards††
Upgrade Cash Rewards Visa®
Rewards rate
1.5%Cash backAnnual fee
$0
Rewards rate
1.5% Cash back
Annual fee
$0
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- No annual fee
Great for practical premium perks††
Great for practical premium perks††
Capital One Venture X Rewards Credit Card
Rewards rate
2x - 10xMiles per dollarAnnual fee
$395Welcome bonus
75,000MilesEditors' bonus estimate
$915
Rewards rate
2x - 10x Miles per dollar
Annual fee
$395
Welcome bonus
75,000 Miles
Editors' bonus estimate
$915
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Great for straightforward rewards††
Great for straightforward rewards††
Avant Cash Back Rewards Card
Rewards rate
1%Cash backAnnual fee
$0
Rewards rate
1% Cash back
Annual fee
$0
- 1% Unlimited Cash Back on Every Purchase, Everywhere MasterCard is accepted
- No Limit On The Monthly Rewards You Can Earn
Great for automatic credit limit increases††
Great for automatic credit limit increases††
Credit One Bank® Platinum Visa® for Rebuilding Credit
Rewards rate
1%Cash backAnnual fee
$75 for the first year, $99 thereafter (billed at $8.25 per month)
Rewards rate
1% Cash back
Annual fee
$75 for the first year, $99 thereafter (billed at $8.25 per month)
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Great for travel rewards with no annual fee††
Great for travel rewards with no annual fee††
Capital One VentureOne Rewards for Good Credit
Rewards rate
1.25x - 5xMiles per dollarAnnual fee
$0
Rewards rate
1.25x - 5x Miles per dollar
Annual fee
$0
- $0 annual fee and no foreign transaction fees
- Earn 1.25X miles on every purchase, every day
Great for a low annual fee with cash back††
Great for a low annual fee with cash back††
Mission Lane Cash Back Visa® Credit Card
Rewards rate
1%Cash backAnnual fee
$19
Rewards rate
1% Cash back
Annual fee
$19
- Enjoy Unlimited 1% Cash Back on all Purchases
- Be automatically considered for a higher credit line in as few as 7 months
Milestone® Mastercard® Cashback Rewards - With A Higher Credit Limit
Rewards rate
1% - 3%Cash backAnnual fee
$125
Rewards rate
1% - 3% Cash back
Annual fee
$125
- Get 3% Cash Back Rewards on your first $5,000 gas, grocery, restaurant, and mobile phone service purchases each year, and then 1% thereafter.
- Earn unlimited 1% Cash Back Rewards on all other purchases.
Great for high cash back rates††
Great for high cash back rates††
Capital One Savor Cash Rewards for Good Credit
Rewards rate
1% - 8%Cash backAnnual fee
$0
Rewards rate
1% - 8% Cash back
Annual fee
$0
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
Great for straightforward rewards††
Great for straightforward rewards††
Indigo® Mastercard® Cashback Rewards
Rewards rate
1.5%Cash backAnnual fee
$75 the first year; $99 thereafter
Rewards rate
1.5% Cash back
Annual fee
$75 the first year; $99 thereafter
- Unlimited 1.5% Cashback Rewards* earned on Every Purchase!
- Apply with Confidence! There is no impact to your credit score if you’re not approved. If your application is not approved, a hard inquiry will not appear on your credit report, which means your credit score will not be impacted.
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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.