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.
$250 TRAVEL PORTAL CREDIT
Great for high flat-rate travel rewards††
Great for high flat-rate travel rewards††
Capital One Venture Rewards Credit Card
Rewards rate
2x - 5xMiles per dollarAnnual fee
$95Welcome bonus
75,000MilesEditors' bonus estimate
$915
Rewards rate
2x - 5x Miles per dollar
Annual fee
$95
Welcome bonus
75,000 Miles
Editors' bonus estimate
$915
- Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
- Earn unlimited 2X miles on every purchase, every day
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 straightforward rewards††
Great for straightforward rewards††
Destiny™ 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
- Earn 1.5% cashback rewards for all of your eligible purchases!
- 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.
Great for bonus cash back with some limits††
Great for bonus cash back with some limits††
Credit One Bank® Platinum X5 Visa®
Rewards rate
1% - 5%Cash backAnnual fee
$95
Rewards rate
1% - 5% Cash back
Annual fee
$95
- Earn 5% cash back rewards on the first $5,000 of eligible purchases of gas, grocery, internet, cable, satellite TV and mobile phone services each year, and then 1% thereafter
- Earn 1% cash back rewards on all other purchases
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 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 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 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
$200
Rewards rate
1x - 3x Points per dollar
Annual fee
$0
Welcome bonus
20,000 Points
Editors' bonus estimate
$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 straightforward rewards††
Great for straightforward rewards††
Milestone® 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
- Earn 1.5% cashback rewards for all of your eligible purchases!
- 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.
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
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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.